Area Head - Affordable Mortgages Loans

The Area Head-Mortgages role in the Rural Banking Department of Retail Banking involves growing and nurturing the Mortgage Book, ensuring portfolio health, focusing on new products, segments, and channels, and championing serving the underserved. The primary responsibility includes effectively managing the team of cluster heads to achieve business growth and maintain collections above 99.8% across products. There is a specific emphasis on business growth in both Home Loan (HL) and Loan Against Property (LAP) products with equal focus on yield. Additionally, the role requires focusing on lagging products and branches to help improve their performance. Business planning and execution on the ground are crucial, aligned with organizational expectations. To achieve success in this role, it is necessary to strategize and plan for each product and branch based on their performance in business and collections. Managing attrition rates and ensuring people development are essential aspects of the job. Market penetration of products, collaboration with Product and process teams for continuous improvements, and executing organizational strategies are key responsibilities. Effective alignment of the team with organizational goals to create a healthy organizational culture is also vital. Leadership development within the team is another area of focus. The ideal candidate for this role should have a Graduation and Post Graduation degree in any field and possess 5-10 years of relevant experience in the banking industry.,