Zonal Business Head Mortgage (PSS07913)

About the Company

A leading financial institution in the mortgage and housing finance sector, the organization is focused on sustainable growth, strong credit quality, and customer-centric operations. It operates across multiple regions with a robust branch and channel network, offering a comprehensive range of mortgage products including Home Loans, LAP, and Affordable Housing Loans.

Position Overview

The Zonal Business Head – Mortgages drives overall business growth, profitability, and portfolio quality across the assigned zone. Reporting to the Business Head – Mortgages, this role provides strategic leadership, oversees branch and channel expansion, ensures credit discipline, and delivers both topline and bottom-line performance.

Key Responsibilities

• Formulate and execute zonal business strategies aligned with organizational mortgage growth objectives.
• Drive sourcing of Home Loans, LAP, Affordable Housing Loans, and Builder/Project funding.
• Achieve disbursement, AUM, yield, and profitability targets for the zone.
• Identify new markets, catchments, and growth opportunities within the zone.
• Build and manage a strong sales ecosystem including branches, DSAs, connectors, builders, and alternate channels.
• Strengthen relationships with key channel partners and developers to enhance sourcing quality.
• Ensure adherence to credit policies, underwriting norms, and risk frameworks while maintaining healthy portfolio quality (GNPA, NNPA, early bucket trends).
• Lead and mentor Regional Business Managers, Branch Heads, and zonal support teams to drive performance and capability building.
• Ensure smooth end-to-end mortgage operations with focus on TAT and customer experience.
• Ensure compliance with RBI regulations, internal policies, audit requirements, and statutory guidelines.
• Collaborate with internal stakeholders including Credit, Risk, Operations, Legal, Finance, and Collections to deliver business objectives.
• Provide periodic MIS, business reviews, and forecasts to senior management.

Required Experience & Qualifications

• Education: Graduate in any discipline.
• Experience: 15–20+ years in Mortgage / Home Loans / LAP business, with 5–7 years in a senior leadership role managing multi-region or zonal responsibilities.
• Leadership: Proven ability to lead large teams including Regional Business Managers and Branch Heads; experience in NBFCs / Housing Finance Companies / Banks.
• Technical Expertise: Deep understanding of mortgage products, credit, and risk; strong financial acumen and data-driven decision-making.
• Soft Skills: Strategic thinker with excellent stakeholder management, communication, and leadership capabilities.

Why Consider this Opportunity?

• Lead a high-impact zonal business with full P&L accountability and strategic influence.
• Shape growth across diverse mortgage products and channels in a dynamic financial services environment.
• Drive credit quality, operational excellence, and customer experience at scale.
• Collaborate closely with senior leadership and cross-functional teams to deliver business transformation.
• Be part of a performance-driven culture with strong emphasis on compliance, governance, and leadership development.

#LI-NV1