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
• Business 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 Loans
• Sales 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 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
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📌 Business Head (Gurugram)
🏢 Home Credit India
📍 Gurugram