Job Description
Objective
nThis 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
nKey Responsibilties
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- Business Growth & P&L; Ownership - Own Cross Sell - Personal Loan strategy, disbursements, portfolio growth, profitability, and overall business performance.n
- Monetization of existing customer base - Drive customer segmentation, engagement, retention, cross-sell and repeat borrowing.n
- Digital Business – Lead digital sales for Cross Sell – Personal Loansn
- Sales Channel Leadership - Scale and optimize tele-sales and field sales channels to maximize productivity, conversion, and business growth for Cross Sell – Personal Loans.n
- Analytics, AI, Product & Portfolio Innovation - Leverage analytics, AI, pricing, propositions,



and product innovation to improve conversion, profitability, and operational efficiency for Cross Sell – Personal Loansn

nNeed to Have Areas
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- Postgraduate/MBA from a top tier B Schooln
- 20+ year experience /Retail Finance Industryn
- Relevant experience in P&L; Management, Sales, Strategy, Product, Team Managementn

nFunctional skills:
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- Clx - Personal Loans / Retail Lending Business Managementn
- P&L; and Financial Managementn
- Portfolio Growth and Revenue Managementn
- Customer Relationship Management (CRM) & Lifecycle Marketingn
- Digital Business and Customer Journey Managementn
- Omni-channel Sales Management (Digital, Telesales, Field Sales)n
- Product Strategy, Proposition Development and Pricingn
- Customer Acquisition and Retention Strategyn
- Portfolio Quality and Risk Managementn
- Data Analytics and Decision Sciencesn
- Campaign Managementn
- Custo

📌 Business Head (Gurugram)
🏢 Home Credit India
📍 Gurugram