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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 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 solid 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 c
📌 National Head (Chennai)
🏢 IGSSL
📍 Chennai