Business Head - D2C (Home Loans)

for Business Head - Home Loans

Role Overview:

The Business Head - Home Loans will oversee the strategic growth and development of the hom

eloan business, focusing primarily on retail mortgage products. The role involves designing an

dexecuting strategies to scale the business through both digital acquisition and traditional offlin

edistribution channels, ensuring a seamless customer journey from 0 to 1. The ideal candidate will bea visionary leader with experience in scaling products through innovative digital and offline strategies while ensuring operational excellence

.Key Responsibilities

:Strategic Leadership & Business Growth

:Lead the development and execution of the overall business strategy for Home Loans and mortgage products

.Create and execute a roadmap to drive scalable growth, leveraging both digital acquisition (onlin

echannels, social media, SEO, etc.) and offline distribution (branch network, agents, partnerships)

.Identify opportunities for expanding the customer base through innovative acquisition strategies

,targeting specific customer segments

.Product Development & Management

:Oversee the entire product lifecycle for Home Loans/Housing Finance, ensuring that offerings ar

ealigned with customer needs, competitive trends, and regulatory guidelines

.Lead the journey from 0 to 1, ensuring a seamless onboarding process and experience for ne

wcustomers, from acquisition to activation

.Collaborate with digital teams to develop an integrated digital acquisition journey that promote

sfrictionless online sign-up and product activation

.Scaling the Business

:Drive scalable growth through both online and offline channels to maximize customer acquisition and retention

.Develop and implement strategies to enhance distribution through partnerships, third-party alliances, and digital platforms

.
Optimize customer onboarding, ensuring efficient and user-friendly processes across multip

letouchpoints to drive higher conversion rate

t:Take ownership of the P&L for the Home Loans segment, ensuring revenue and cost targets are met while scaling the business efficientl

y.Track business performance, analyze customer behavior, and optimize strategies to ensu

reprofitability and sustainable growt

h.Customer Experience & Digital Transformatio

n:Lead the transformation of the customer experience by integrating digital tools, improving the overall 0 to 1 journe

y.
Ensure a consistent, seamless customer experience across all touchpoints (online, mobile,

in-branch), with an emphasis on digital acquisition and onboardi

ng.Continuously evaluate and improve the customer experience to drive long-term engagement

andretenti

on.Risk Management & Complian

ce:Ensure compliance with all regulatory requirements for Home Loans and monitor credit risk practic

es.Work closely with risk teams to manage fraud prevention, credit risk, and collection strategi

es,ensuring a healthy portfol

io.Team Leadership & Collaborati

on:Build and lead a high-performance team, including roles focused on product development, digi

talmarketing, customer acquisition, and distributi

on.Foster a collaborative environment where cross-functional teams (marketing, product, sales, and risk) can work together to execute strategi

es.Provide coaching and mentorship to team members, encouraging professional growth

andenhancing team effectivene

ss.Stakeholder Manageme

nt:Work closely with senior leadership and key internal stakeholders to align on objectives, timelin

es,and KPIs for the home loan busine

ss.Manage relationships with external partners, vendors, and financial institutions to drive prod

uctadoption and grow

th.Data Analytics & Performance Metri

cs:Utilize data analytics to measure and track key business metrics, including customer acquisiti

on,retention, product usage, and profitabili

ty.Use data insights to continuously refine digital and offline acquisition strategies, optimizing marketing spend and distribution channe

ls.
Required Qualifications & Ski

lls:Education: Bachelors degree in Business, Finance, Economics, or related field. MBA or adva

nceddegree is a plus Experie

nce:10+ years of experience in the financial services industry, with at least 5 years in a senior leader

shiprole managing Home Loans, Mortgage Loans, or similar lending produ

cts.Proven expertise in driving digital acquisition strategies and scaling products across online

andoffline chann

els.Extensive experience in managing Housing Finance products, including product design, market

ing,risk management, and complia

nce.
Skills & Exper

tise:Strong understanding of mortgage and home loan products, with specific experience in Ho

usingFinance and credit

risk.Demonstrated ability to design and execute end-to-end customer journeys (0-1), focusing on digital onboarding and activa

tion.Proficient in managing P&L, budgeting, and driving business gr

owth.Expertise in digital marketing, online customer acquisition, and omnichannel distribution strate

gies.Excellent leadership, communication, and interpersonal sk

ills.Ability to think strategically while also driving hands-on execu

tion.
Preferred S

kills:Experience in driving digital transformation within financial pro

ducts.Expertise in managing multichannel distribution (branches, digital, agents, partner

ships)Familiarity with regulatory frameworks and consumer protection laws for mortgage pro