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
n
n
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
n
n
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:
n
n
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