Business Head - Cross Sell Personal Loan

Home Credit India; Gurugram District; On-site; INR 4,000,000 - 7,000,000; Full time

Job summary

Home Credit India seeks a senior leader to own the Cross Sell - Personal Loan growth, profitability, and customer lifecycle, driving monetization and CRM excellence through digital channels and analytics.

You will own P&L, shape strategy, and lead omni-channel sales (digital, telesales, field) to maximize conversion and profitability with a data-driven approach.

Qualifications

• Postgraduate/MBA from a top tier B School.
• 20+ years experience in Retail Finance Industry.
• Experience in P&L Management, Sales, Strategy, Product, Team Management

Responsibilities

• Own Cross Sell - Personal Loan strategy, disbursements, portfolio growth, profitability, and overall business performance.
• Drive customer segmentation, engagement, retention, cross-sell and repeat borrowing.
• Lead digital sales for Cross Sell – Personal Loans, across channels.
• Scale and optimize tele-sales and field sales to maximize productivity and growth.
• Leverage analytics, pricing, propositions, and product innovation to improve conversion and profitability.

Skills

CRM & Lifecycle Marketing

Digital Sales

Omni-channel Sales

P&L Management

Portfolio Growth

Strategy & Leadership

Stakeholder Management

Team Management

Pricing & Propositions

Analytics & Decision Sciences

Product & Portfolio Innovation

Customer Acquisition & Retention

Business Transformation

Change Management

Education

Postgraduate/MBA from a top tier B School

Job description

This role exists to own the end-to-end growth, profitability, customer lifecycle, and transformation agenda of the Cross Sell - Personal Loan business. The incumbent is accountable for delivering business growth through a combination of customer portfolio monetization, CRM excellence, digital channels, sales distribution, product innovation, analytics-led decision-making and operational rigor

Key Responsibilties

• Business Growth & P&L Ownership - Own Cross Sell - Personal Loan strategy, disbursements, portfolio growth, profitability, and overall business performance.
• Monetization of existing customer base - Drive customer segmentation, engagement, retention, cross-sell and repeat borrowing.
• Digital Business – Lead digital sales for Cross Sell – Personal Loans
• Sales Channel Leadership - Scale and optimize tele-sales and field sales channels to maximize productivity, conversion, and business growth for Cross Sell – Personal Loans.
• Analytics, AI, Product & Portfolio Innovation - Leverage analytics, AI, pricing, propositions, and product innovation to improve conversion, profitability, and operational efficiency for Cross Sell – Personal Loans

Need to Have Areas

• Postgraduate/MBA from a top tier B School
• 20+ year experience /Retail Finance Industry
• Relevant experience in P&L Management, Sales, Strategy, Product, Team Management

Functional skills:

• Clx - Personal Loans / Retail Lending Business Management
• P&L and Financial Management
• Portfolio Growth and Revenue Management
• Customer Relationship Management (CRM) & Lifecycle Marketing
• Digital Business and Customer Journey Management
• Omni-channel Sales Management (Digital, Telesales, Field Sales)
• Product Strategy, Proposition Development and Pricing
• Customer Acquisition and Retention Strategy
• Portfolio Quality and Risk Management
• Data Analytics and Decision Sciences
• Campaign Management
• Customer Experience (CX) and Journey Optimization
• Partnership and Ecosystem Development
• Business Transformation and Change Management
• Ability to manage complex business problems
• Strategic Thinking and Business Acumen
• Leadership and People Development
• Results Orientation
• Innovation and Continuous Improvement
• Data-driven Decision Making
• Ownership and Accountability
• Stakeholder Management and Influencing Skills
• Collaboration and Cross-functional Leadership