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.