AddressJob Summary :
- Drive RPM to identify products, segments and markets for the Housing segment to focus on.
- Make RPM formulate area / location specific product programs and policies for growth of the Housing business in line with the objectives set.
- To streamline processes in order to achieve seamless roll out of products and enhance customer responsiveness.
- To undertake projects and lead cross functional teams for IT related projects to provide solutions for various process improvements.
- To develop analytical tools for identifying customers for growing relationships and improving customer stickiness.
- To assess and support plans for digital lending initiatives in the Housing business
- Undertaking periodic review of the business P&L, identify areas of good performance and improvement, and propose corrective action to ensure budgets and return ratios are met in line with plans for the Housing business.
- To review income plans and identify additional sources of revenues and fee income to drive overall profitability of the business.
- To Drive RPM in engaging cross sell of products along with Housing loans.
- To track performance of the Housing business through MISs on various business and credit parameters like disbursements, No. of accounts, fees, delinquencies, productivity and other parameters
- To work closely with marketing to develop various marketing schemes and marketing campaigns to enable growth of business
Roles & Responsibilities :
- To identify products, segments and markets for the housing loan segment to focus on.
- To formulate product programs, new products and policies to enable growth of the Housing business.
- Drive the implementation of new policies & amendments through proper communication/training to all relevant stakeholders in the organization.
- To track performance of the Housing business through MISs on various business and credit parameters like disbursements, # of accounts, fees, PAR, NPAs, productivity and other parameters
- To review income plans and identify additional sources of revenues and fee income to drive overall profitability of the business.
- To work closely with marketing to develop various marketing schemes and marketing campaigns to enable growth of business
- Drive the Digital lending business of Housing
- Initiate engagements with Fintech, technology companies, analytics companies, Payment solutions firms, and other similar companies for potential tie-ups for digital lending
- Support the Housing Business team to achieve the business numbers for the year
- To prepare and finalise yearly business plans in discussion with the Business Head, regional heads, Finance and strategy teams
- To chart out the long term 3-4 years plans for the business in consultation with various stakeholders.
- To develop performance metrics for driving performance of the team members.
- To design contests and other marketing activities to drive performance of the business unit
- Keep abreast with latest in Housing loan space with respect to legal and technical aspects and bring that to implementation.
- To work along credit team to asses vendors
Functional Knowledge :
- Strong analytical skills
- Good market and working knowledge of the Loan business
- Should have working experience of distribution and / or credit for the HL/LAP/ BL/ PL.
- Able to convert concepts to programs / policies / processes
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