National Head - Retail Assets

Job Description (JD)

National Head – Vehicle Loan (VL) & Home Loan

Role Objective

The National Head – Vehicle Loan & Home Loan will lead end-to-end business ownership of the Vehicle Loan and Home Loan portfolios, balancing aggressive growth, asset quality, regulatory compliance, and operational efficiency. The role requires building scalable businesses in a high-growth NBFC/Bank/startup environment with strong governance.

Key Responsibilities

Business Growth & P&L Ownership

• Own national-level P&L, growth targets, and profitability for VL and Home Loan portfolios.
  
• Drive rapid yet sustainable disbursement growth aligned with risk appetite.
  
• Design go-to-market strategies for digital, branch, DSA, dealer, and builder channels.
  

Product, Credit & Risk Governance

• Partner with Credit and Risk teams to design and periodically review credit policies, underwriting frameworks, and approval matrices.
  
• Ensure portfolio performance within defined risk thresholds (DPD, GNPA, NNPA).
  
• Implement early warning mechanisms and corrective actions in line with RBI guidelines.
  

Operations & Process Excellence

• Oversee end-to-end loan lifecycle: sourcing, credit approval, disbursement, servicing, and closure.
  
• Drive process digitization, automation, and scalability suitable for a startup/NBFC ecosystem.
  
• Ensure strong internal controls, audit readiness, and SOP adherence.
  

Collections & Portfolio Management

• Work closely with Collections leadership to manage delinquencies, recoveries, and legal actions.
  
• Monitor vintage-wise performance and stress indicators; take proactive remediation steps.
  

Compliance & Regulatory Adherence

• Ensure strict compliance with RBI, NHB (if applicable), internal audit, and statutory requirements.
  
• Support internal, concurrent, and external audits with complete documentation and controls.
  

People & Culture Building

• Build and lead high-performance teams across sales, credit, and operations.
  
• Drive productivity, performance management, and leadership development.
  
• Foster a culture of accountability, compliance, and customer-centricity.
  

Stakeholder & Leadership Management

• Engage with MD & CEO, Board, investors, and senior leadership on business performance.
  
• Present MIS, portfolio analytics, and strategic plans regularly.
  
• Manage partnerships with vendors, and external agencies.
  

Key Skills & Competencies

• Deep expertise in Vehicle Loans and Home Loans within NBFC/Bank environments.
  
• Strong understanding of RBI regulations, credit risk, and portfolio analytics.
  
• Proven ability to scale businesses in startup or high-growth organizations.
  
• Strategic thinking with strong execution and governance mindset.
  
• Excellent leadership, communication, and decision-making skills.
  

Educational Qualification

• Graduate / Postgraduate in Finance, Management, or related field.
  
• MBA / CA / CFA preferred.
  

Experience

• 12–20 years of experience in Retail Assets (VL / Home Loan).
  
• Prior experience in NBFC / Bank in a leadership role is mandatory.
  
• Demonstrated experience in building or scaling asset portfolios.
  

Key Performance Indicators (KPIs)

• Disbursement growth & market penetration
  
• Portfolio quality (DPD, GNPA, NNPA)
  
• Cost-to-income and operational efficiency
  
• Audit & regulatory compliance score
  
• Team productivity and attrition
  

• Deep expertise in Vehicle Loans and Home Loans within NBFC/Bank environments.
  
• Strong understanding of RBI regulations, credit risk, and portfolio analytics.
  
• Proven ability to scale businesses in startup or high-growth organizations.
  
• Strategic thinking with strong execution and governance mindset.
  
• Excellent leadership, communication, and decision-making skills.