Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
AssistantManager

LIJO MATHEWS

Chief Business Officer
Jaipur,RJ

Summary

Dynamic finance leader with 19+ years of experience in retail lending, housing finance, and strategic business development. Proven expertise in building and scaling businesses through co-lending, business correspondence partnerships. Currently driving growth and innovation as Chief Business Officer at Choice Finserve Pvt. Ltd., with a track record of establishing successful verticals, managing large teams, and delivering sustainable profitability.

Overview

19
19
years of professional experience
3
3
Languages

Work History

Chief Business Officer

Choice Finserve Pvt. Ltd.
01.2024 - Current
  • Spearheading overall business strategy, growth, and profitability across secured and unsecured lending verticals.
  • Driving expansion in affordable housing, MSME, and co-lending partnerships with leading banks and NBFCs.
  • Leading a large sales and operations workforce across multiple states, ensuring compliance, credit discipline, and efficiency.
  • Instrumental in designing scalable asset-light models leveraging technology, partnerships, and BC framework.

Co-Founder & Director

Sureworth Financial Services Pvt. Ltd.
01.2023 - 01.2024
  • Established and scaled Sureworth under RBI’s BC & co-lending guidelines, disbursing ₹126 Cr within 18 months.
  • Expanded operations to 39 branches across multiple states.
  • Designed a hybrid asset-light model, eliminating reliance on traditional NBFC structures.
  • Partnered with leading FIs including MS Fincap, DMI Housing, and Choice Finserve.
  • Strengthened credit, risk, and operational frameworks by onboarding industry experts.
  • Product Lead – Reach (Affordable Housing), Rajasthan

Sales & Marketing Lead

HDFC Ltd.
01.2016 - 01.2023
  • Headed HDFC’s Reach vertical for affordable housing loans in Rajasthan.
  • Opened new avenues of lending for the informal sector.
  • Managed credit approvals, monitoring, and NPA containment (kept below 1%).
  • Achieved 40% YoY growth in disbursements, positioning Rajasthan among the fastest-growing markets.

Area Sales Manager

HDFC Ltd.
01.2010 - 01.2016
  • Managed and developed sales channels and partnerships with developers, DSAs, and corporate clients.
  • Supervised call-center operations and improved walk-in conversions.
  • Designed BTL activities, contests, and HNI-focused lending strategies.
  • Consistently exceeded disbursement and yield targets.

Eveready Industries India Ltd.
01.2007 - 01.2010
  • Product Management at the group level for Rechargeable Batteries at HO – Kolkata
  • Managed distribution and marketing operations across Rajasthan
  • Executed brand-building campaigns, ATL/BTL marketing, and promotional activities.
  • Enhanced sales growth through innovative distribution and retail strategies.

Education

MBA - Marketing & Finance

International Management Institute
01.2007

Post Graduate Program - Planning & Entrepreneurship

IIPM
01.2007

B.Com. - undefined

St. Xavier’s College
01.2005

Skills

Retail Lending & Affordable Housing Finance

Accomplishments

  • Scaled Sureworth Financial Services to ₹126 Cr disbursement in 18 months.
  • Pioneered hybrid asset-light lending model, recognized as a benchmark for NBFCs.
  • Expanded Choice Finserve’s Affordable Housing Vertical into a leading growth engine.
  • Ranked Top Performing Product Head at HDFC in affordable segment, with record-breaking growth.

Timeline

Chief Business Officer

Choice Finserve Pvt. Ltd.
01.2024 - Current

Co-Founder & Director

Sureworth Financial Services Pvt. Ltd.
01.2023 - 01.2024

Sales & Marketing Lead

HDFC Ltd.
01.2016 - 01.2023

Area Sales Manager

HDFC Ltd.
01.2010 - 01.2016

Eveready Industries India Ltd.
01.2007 - 01.2010

Post Graduate Program - Planning & Entrepreneurship

IIPM

B.Com. - undefined

St. Xavier’s College

MBA - Marketing & Finance

International Management Institute

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LIJO MATHEWSChief Business Officer