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Job Description (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 environment with robust 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.
Peo
📌 National Head (Chennai)
🏢 IGSSL
📍 Chennai