• 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.