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

Collections & Portfolio Management

People & Culture Building

Experience

Key Performance Indicators (KPIs)

Requirements

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