ObjectiveThis 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 rigorKey ResponsibiltiesBusiness Growth & P&L; Ownership - Own Cross Sell - Personal Loan strategy, disbursements, portfolio growth, profitability, and overall business performance.Monetization of existing customer base - Drive customer segmentation, engagement, retention, cross-sell and repeat borrowing.Digital Business – Lead digital sales for Cross Sell – Personal LoansSales Channel Leadership - Scale and optimize tele-sales and field sales channels to maximize productivity, conversion, and business growth for Cross Sell – Personal Loans.Analytics, AI, Product & Portfolio Innovation - Leverage analytics, AI, pricing, propositions, and product innovation to improve conversion, profitability, and operational efficiency for Cross Sell – Personal LoansNeed to Have AreasPostgraduate/MBA from a top tier B School20+ year experience /Retail Finance IndustryRelevant experience in P&L; Management, Sales, Strategy, Product,



Team ManagementFunctional skills:Clx - Personal Loans / Retail Lending Business ManagementP&L; and Financial ManagementPortfolio Growth and Revenue ManagementCustomer Relationship Management (CRM) & Lifecycle MarketingDigital Business and Customer Journey ManagementOmni-channel Sales Management (Digital, Telesales, Field Sales)Product Strategy, Proposition Development and PricingCustomer Acquisition and Retention StrategyPortfolio Quality and Risk ManagementData Analytics and Decision SciencesCampaign ManagementCustomer Experience (CX) and Journey OptimizationPartnership and Ecosystem DevelopmentBusiness Transformation and Change ManagementBehavioral competencies:Ability to manage complex business problemsStrategic Thinking and Business AcumenLeadership and People DevelopmentResults OrientationInnovation and Continuous ImprovementData-driven Decision MakingOwnership and AccountabilityStakeholder Management and Influencing SkillsCollaboration and Cross-functional LeadershipChange LeadershipProblem Solving and Critical ThinkingExecution ExcellenceAgility and AdaptabilityResilience Under PressureCommercial MindsetTechnical / system skills:Ability to understand P&LUnderstanding; of Finance termsExcel and PowerpointBasic understanding of AI trends

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