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(JD)

National Head – Vehicle Loan (VL) & Home Loan

Designation: National Head – VL & Home Loan

Business Type: NBFC / Bank

Department: Retail Assets

Reporting To: MD & CEO / Executive Director / Business Head

Location: PAN India / HO

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 workplace 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

Requirements

- 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.

📌 National Head - Retail Assets (Chennai)
🏢 IGSSL
📍 Chennai