National Head - Retail Assets

Job Description (JD)

National Head – Vehicle Loan (VL) & Home Loan

Designation: National Head – VL & Home Loan

Business Type: NBFC / Bank

Department: Retail Assets

Reporting To: MD & CEO / Executive Director / Business Head

Location: PAN India / HO

Role Objective

The National Head – Vehicle Loan & Home Loan will lead end-to-end business ownership of the Vehicle Loan and Home Loan portfolios, balancing aggressive growth, asset quality, regulatory compliance, and operational efficiency. The role requires building scalable businesses in a high-growth NBFC/Bank/startup environment with strong governance.

Key Responsibilities

Business Growth & P&L Ownership

• Own national-level P&L, growth targets, and profitability for VL and Home Loan portfolios.
• Drive rapid yet sustainable disbursement growth aligned with risk appetite.
• Design go-to-market strategies for digital, branch, DSA, dealer, and builder channels.
  
  

Product, Credit & Risk Governance

• Partner with Credit and Risk teams to design and periodically review credit policies, underwriting frameworks, and approval matrices.
• Ensure portfolio performance within defined risk thresholds (DPD, GNPA, NNPA).
• Implement early warning mechanisms and corrective actions in line with RBI guidelines.
  
  

Operations & Process Excellence

• Oversee end-to-end loan lifecycle: sourcing, credit approval, disbursement, servicing, and closure.
• Drive process digitization, automation, and scalability suitable for a startup/NBFC ecosystem.
• Ensure strong internal controls, audit readiness, and SOP adherence.
  
  

Collections & Portfolio Management

• Work closely with Collections leadership to manage delinquencies, recoveries, and legal actions.
• Monitor vintage-wise performance and stress indicators; take proactive remediation steps.
  
  

Compliance & Regulatory Adherence

• Ensure strict compliance with RBI, NHB (if applicable), internal audit, and statutory requirements.
• Support internal, concurrent, and external audits with complete documentation and controls.
  
  

People & Culture Building

• Build and lead high-performance teams across sales, credit, and operations.
• Drive productivity, performance management, and leadership development.
• Foster a culture of accountability, compliance, and customer-centricity.
  
  

Stakeholder & Leadership Management

• Engage with MD & CEO, Board, investors, and senior leadership on business performance.
• Present MIS, portfolio analytics, and strategic plans regularly.
• Manage partnerships with vendors, and external agencies.
  
  

Key Skills & Competencies

• Deep expertise in Vehicle Loans and Home Loans within NBFC/Bank environments.
• Strong understanding of RBI regulations, credit risk, and portfolio analytics.
• Proven ability to scale businesses in startup or high-growth organizations.
• Strategic thinking with strong execution and governance mindset.
• Excellent leadership, communication, and decision-making skills.
  
  

Educational Qualification

• Graduate / Postgraduate in Finance, Management, or related field.
• MBA / CA / CFA preferred.
  
  

Experience

• 12–20 years of experience in Retail Assets (VL / Home Loan).
• Prior experience in NBFC / Bank in a leadership role is mandatory.
• Demonstrated experience in building or scaling asset portfolios.
  
  

Key Performance Indicators (KPIs)

• Disbursement growth & market penetration
• Portfolio quality (DPD, GNPA, NNPA)
• Cost-to-income and operational efficiency
• Audit & regulatory compliance score
• Team productivity and attrition
  
  

Requirements

• Deep expertise in Vehicle Loans and Home Loans within NBFC/Bank environments.
• Strong understanding of RBI regulations, credit risk, and portfolio analytics.
• Proven ability to scale businesses in startup or high-growth organizations.
• Strategic thinking with strong execution and governance mindset.
• Excellent leadership, communication, and decision-making skills.