Cluster Business Head

3 weeks ago

Rajkot, Gujarat, India Weekday AI Full time
This role is for one of the Weekday's clients

Min Experience: 4 years

Location: Rajkot, Ahmedabad

JobType: full-time

We are seeking a dynamic and result-oriented Cluster Business Head to drive growth and profitability for our Home Loans and Loan Against Property (LAP) verticals. The ideal candidate will be responsible for overseeing sales and business development activities across multiple branches within the cluster, ensuring achievement of business targets, maintaining portfolio quality, and leading a motivated team to deliver exceptional customer service.

This role is best suited for individuals with prior experience in the retail lending domain, strong knowledge of mortgage products, and proven expertise in driving loan business in competitive markets.

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.

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