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.

Skills Required