Business Head - Affordable Housing Loan

This position is responsible to develop and lead the implementation of the Affordable Housing Loan Segment strategy in line with the overall business strategy; To ensure the achievement of profitability targets through revenue maximization and prudent cost management.

Key Responsibilities:

Business Setup & Revenue Generation:

• Responsible for carrying out the business planning and budgeting exercise for the Housing Loan finance vertical
• Assuming overall responsibility for the P&L and AUM targets and ensuring business growth in a profitable manner with sound quality.
• To create Annual operating plan, long-range plan and build the required capabilities to deliver best-in-class profitable business
• To build and deliver on annual operating plan
• Conceptualizing the offerings and oversee the development of associated policies
• Responsible for channel strategy including decision-making regarding the geographic expansion of Housing Loan.
• To review and evaluate performance to ensure that TVS Credit offerings are differentiated, pricing is competitive, value proposition is compelling and customer-centric
• Identify new business opportunities and enable TVS Credit leadership to make decisions related to investment, M&A, etc.
• Responsible for ensuring that necessary systems and processes are in place and adhered to, across all functions.
• Leverage technology to drive innovative and cost-effective operating models and deliver superior customer experience

Risk Management:

• Regular monitoring, review and analysis of performance and policies to ensure business objectives are met
• Stay updated on industry trends and regulatory changes

Stakeholder Management:

• Develop, onboard and nurture new corporate relationships and strategic partnerships
• Act as a liaison with all support functions within TVS Credit to ensure the smooth functioning of the Housing Loan finance vertical

Team Leadership:

• Cascading of responsibilities across various functions within the Housing finance vertical
• Create a collaborative and high-performance culture, promoting excellence, accountability, and continuous learning.

Brand Promotion:

• Oversee marketing efforts to ensure adequate visibility and positive perception among customers
• Ensure strong market presence and customer engagement

Job Requirements:

• Post Graduate / MBA
• 20+ years of experience in Housing Loan Sales and Collections
• Knowledge of regulations around Retail SME finance
• Exposure across multiple geographies
• Sales orientation with strong negotiation skills
• Strategic and analytical thinking
• Strong communication and interpersonal skills
• Problem-solving and decision-making skills
• People Management & Networking skills