Cluster Business Head

As a Cluster Business Head working for one of Weekday's clients, your role involves leading and managing the home loan and loan against property (LAP) vertical across multiple branches within a defined cluster. Your responsibilities include driving business growth, overseeing operations, and ensuring strong team performance. To excel in this role, you should have a deep understanding of retail lending, customer acquisition strategies, and credit policies in the housing finance sector. Key Responsibilities: - Business Development: - Drive acquisition and disbursement of home loans and LAP across the assigned cluster. - Identify new markets, customer segments, and growth opportunities to meet and exceed business targets. - Team Leadership: - Manage, mentor, and motivate a team of branch managers, relationship officers, and sales staff. - Set performance goals, monitor progress, and ensure accountability across the team. - Channel Management: - Develop and manage direct and indirect sourcing channels to ensure a consistent business pipeline. - Channels include DSA, connectors, and referral networks. - Customer Relationship Management: - Build and maintain strong relationships with customers from lead generation to loan disbursal. - Resolve escalations and support high-value cases personally. - Portfolio Quality & Credit Discipline: - Coordinate with credit and risk teams to maintain healthy portfolio quality. - Ensure adherence to credit policies, KYC norms, and compliance requirements. - Operational Efficiency: - Streamline processes across branches to enhance customer satisfaction and reduce turnaround time. - Improve operational metrics for better efficiency. - Market Intelligence: - Stay updated on competitor offerings, customer preferences, and real estate trends. - Use market insights to craft localized strategies for better business outcomes. - Reporting & MIS: - Prepare and present periodic business reports, forecasts, and dashboards to regional and senior leadership. - Analyze performance trends and identify areas of improvement. Key Skills & Qualifications: - Experience: Minimum of 4 years in the home loan/LAP industry, with at least 2 years in a team-leading or multi-location role. - Strong knowledge of retail mortgage products, documentation, credit evaluation, and lending processes. - Demonstrated success in driving business numbers and meeting revenue targets. - Excellent leadership, communication, and interpersonal skills. - Proven ability to lead, develop, and inspire field sales teams. - Strong analytical and decision-making abilities. - Graduate in any discipline; MBA/PGDM in Finance/Marketing is preferred.,