Objective

This role exists to own the end-to-end growth, profitability, customer lifecycle, and transformation agenda of the Cross Sell - Personal Loan business. The incumbent is accountable for delivering business growth through a combination of customer portfolio monetization, CRM excellence, digital channels, sales distribution, product innovation, analytics-led decision-making and operational rigor

Key Responsibilties

1. Business Growth & P&L; Ownership - Own Cross Sell - Personal Loan strategy, disbursements, portfolio growth, profitability, and overall business performance.
2. Monetization of existing customer base - Drive customer segmentation, engagement, retention, cross-sell and repeat borrowing.
3. Digital Business – Lead digital sales for Cross Sell – Personal Loans
4. Sales Channel Leadership - Scale and optimize tele-sales and field sales channels to maximize productivity, conversion, and business growth for Cross Sell – Personal Loans.
5. Analytics, AI, Product & Portfolio Innovation - Leverage analytics, AI, pricing, propositions, and product innovation to improve conversion, profitability, and operational efficiency for Cross Sell – Personal Loans

Need to Have Areas

- Postgraduate/MBA from a top tier B School
- 20 year experience /Retail Finance Industry
- Relevant experience in P&L; Management, Sales, Strategy, Product, Team Management

Functional skills:





- Clx - Personal Loans / Retail Lending Business Management
- P&L; and Financial Management
- Portfolio Growth and Revenue Management
- Customer Relationship Management (CRM) & Lifecycle Marketing
- Digital Business and Customer Journey Management
- Omni-channel Sales Management (Digital, Telesales, Field Sales)
- Product Strategy, Proposition Development and Pricing
- Customer Acquisition and Retention Strategy
- Portfolio Quality and Risk Management
- Data Analytics and Decision Sciences
- Campaign Management
- Customer Experience (CX) and Journey Optimization
- Partnership and Ecosystem Development
- Business Transformation and Change Management

Behavioral competencies:

- Ability to manage complex business problems
- Strategic Thinking and Business Acumen
- Leadership and People Development
- Results Orientation
- Innovation and Continuous Improvement
- Data-driven Decision Making
- Ownership and Accountability
- Stakeholder Management and Influencing Skills
- Collaboration and Cross-functional Leadership
- Change Leadership
- Problem Solving and Critical Thinking
- Execution Excellence
- Agility and Adaptability
- Resilience Under Pressure
- Commercial Mindset

Technical / system skills:

- Ability to understand P&L;
- Understanding of Finance terms
- Excel and Powerpoint
- Basic understanding of AI trends

📌 Business Head - Cross Sell Personal Loan (Gurugram)
🏢 Home Credit India
📍 Gurugram