Cluster Business Head

This role is for one of the Weekday's clients

Cluster Business Head

Home Loans

Loan Against Property (LAP)

Requirements

Key Responsibilities

Business Growth & Strategy

• Own the P&L responsibility for the cluster's Home Loan and LAP portfolio.
• Develop and implement business plans to achieve disbursement targets and increase market share.
• Identify new business opportunities and build strategies to expand customer base.
• Ensure pricing competitiveness, process efficiency, and faster turnaround times to stay ahead of competition.
  

Sales & Channel Management

• Drive sales performance through direct channels, DSAs, and referral partners.
• Develop strong relationships with builders, real estate agents, and connectors to generate consistent lead pipelines.
• Monitor branch-level sales activities and provide guidance to improve conversions and cross-selling.
• Track competitor offerings and adjust go-to-market strategies accordingly.
  

Team Leadership

• Lead, mentor, and motivate branch managers, sales managers, and frontline staff across the cluster.
• Conduct regular performance reviews, set targets, and ensure accountability at every level.
• Foster a culture of collaboration, high performance, and customer centricity within the team.
  

Portfolio & Risk Management

• Maintain high standards of credit quality by ensuring compliance with underwriting norms and risk policies.
• Monitor early delinquency trends, NPAs, and ensure effective collection strategies are implemented.
• Partner with credit and risk teams to improve portfolio health while balancing growth objectives.
  

Customer Experience & Relationship Management

• Ensure seamless end-to-end customer experience from application to disbursement.
• Drive initiatives to improve customer satisfaction and retention.
• Act as a brand ambassador for the company within the cluster, strengthening customer trust and loyalty.
  

Required Skills & Competencies

• Strong understanding of Home Loan and Loan Against Property (LAP) products, processes, and market dynamics.
• Proven track record of achieving and exceeding sales/disbursement targets.
• Excellent leadership and team management skills, with the ability to inspire and drive performance.
• Strong networking and relationship management abilities with channel partners and customers.
• Analytical mindset with proficiency in portfolio management, risk assessment, and MIS reporting.
• Effective communication, negotiation, and problem-solving skills.
• High degree of ownership, resilience, and ability to thrive in a fast-paced, competitive environment.
  

Qualifications & Experience

• Graduate/Postgraduate degree in Business Administration, Finance, or related field.
• 4-7 years of relevant experience in retail lending, with focus on Home Loans and Loan Against Property.
• Prior exposure to managing multi-branch operations or cluster-level responsibility will be an added advantage.