Business Head – Mortgages (PSS08011)

About the Company

A fast-growing financial services organization operating in the Mortgage and Housing Finance domain, offering a comprehensive portfolio across Home Loans, Loan Against Property (LAP), and Affordable Housing Loans. The company is focused on sustainable growth, operational excellence, and customer-centric innovation within the NBFC and Banking ecosystem.

Position Overview

The Head – Mortgages Business will lead the end-to-end mortgage portfolio, reporting directly to the MD & CEO. This strategic leadership role is accountable for building, scaling, and profitably managing the mortgage business, encompassing strategy, sales, credit, risk, operations, collections, compliance, and people development.

Key Responsibilities

• Define and execute the mortgage business strategy aligned with organizational goals.
• Drive AUM growth, disbursement volumes, and profitability across Home Loans, LAP, and Affordable Housing segments.
• Identify and expand into new geographies, builder tie-ups, DSAs, digital channels, and strategic partnerships.
• Develop competitive pricing, product features, and policy frameworks to strengthen market positioning.
• Build and manage branch-led, DSA, builder, and alternate channel networks to enhance sourcing productivity.
• Monitor key sales metrics including login-to-disbursement ratio, ticket size, yield, and turnaround time (TAT).
• Own mortgage credit policies, underwriting standards, and approval matrices ensuring robust property due diligence and risk control.
• Oversee portfolio health through monitoring of delinquencies, GNPA/NNPA, roll-backs, and early warning signals.
• Drive process automation and digitization across LOS/LMS and property valuation systems to improve efficiency and customer experience.
• Lead collections and recovery strategies across early, bucket, and recovery stages in compliance with RBI guidelines.
• Ensure adherence to RBI/NHB regulations, internal policies, and audit standards through proactive compliance management.
• Build and lead a high-performing leadership team across sales, credit, operations, and collections, driving capability building and succession planning.

Required Experience & Qualifications

• Education: Graduate in any discipline; MBA/PGDM preferred.
• Experience: 18–25+ years in Mortgage, Housing Finance, NBFC, or Banking sectors with proven success in scaling Home Loans and LAP businesses.
• Leadership: Experience managing large, multi-location teams and pan-India operations; direct reporting to senior executive leadership.
• Technical Expertise: Deep exposure to credit underwriting, property due diligence, SARFAESI, collections, and regulatory compliance.
• Soft Skills: Strong strategic and commercial acumen; excellent leadership and stakeholder management; data-driven, customer-focused, and compliance-oriented.

Why Consider this Opportunity?

• Lead the full-spectrum Mortgage Business with direct impact on growth, profitability, and asset quality.
• Strategic leadership role reporting to the MD & CEO with enterprise-wide visibility.
• Opportunity to shape digital transformation and process excellence across LOS/LMS platforms.
• Drive innovation in Home Loans, LAP, and Affordable Housing segments across diverse markets.
• Build and mentor a high-caliber leadership team driving performance, compliance, and customer excellence.

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