RL - Mortgages - Geo Head

About the Role:

This is a leadership role responsible for achieving business goals, optimizing profitability, overseeing compliance, and

driving transformation within HL and LAP business. It involves strategic planning and execution to maximize revenue,

enhance portfolio growth, and ensure risk compliance.

Details of the Role:

Department Retail Lending Grade VP/SVPI

Sub-Department Retail Lending- HL & LAP Reporting (Business) SVPII/ EVP

Location Mumbai Reporting (Matrix)

Key Responsibilities:

Business Goals and Profitability:

o Own the P&L of the flagship product with the objective of maximizing revenue. This includes growing

the overall portfolio and driving cross-sell/up-sell of other bank products to improve the overall

profitability of the business.

o Prepare geography-specific sales budgets and execute strategies to achieve targets, along with preparing

monthly, quarterly, and annual sales forecasts.

o Responsible for zonal sales targets, ensuring growth and profitability of the portfolio.

Compliance and Risk Management:

o Ensure risk compliance through completion of RAR observations, addressing repeat observations, and

managing RMP observations to maintain a strong compliance culture within the team.

o Improve business processes for a seamless delivery while maintaining a balance between customer

needs/expectations and business objectives.

Sales and Channel Development:

o Develop and enhance new and existing sales channels, such as Direct Sales Agents, Connectors, AVC,

and Branch

o Ensure adoption and usage of Siddhi, as well as promotion of digital adoption through tools like MLP,

Omega, and SFDC, is essential

o Scale up applications through digital journeys to streamline processes and improve efficiency

Customer Experience:

o Drive a fulfilling customer journey to achieve customer delight and making the Bank the partner of choice

o Responsible for increasing customer retention and driving engagement across existing customers to

improve Net Promoter Score, customer satisfaction across the entire loan process journey.

Collaboration & People Priorities:

o Collaborate with cross-functional partners (Credit, Product, Operations) to drive business results

o Control regrettable attrition across all grades to maintain a strong and motivated team

o Drive various people agenda, including but not limited to, values, talent management, internal mobility,

culture, learning and developments

Qualifications:

Graduation/post-graduation from a recognized institute

12+ years of sales experience (secured products preferred) with at least 3-4 years in HL and LAP

Role Proficiencies:

Strong sales orientation

Proficiency in managing complex client relationships, diverse stakeholders

Capability to handle pressure and meet deadlines

Skill in managing large, geographically spread team; coaching and mentoring team members

Competence in managing within a dynamic, priority-setting environment

Strong risk and compliance mindset

Adept at communication and interpersonal skills