Business Head - D2C (Home Loans)

Paisabazaar.com; Gurugram District; On-site; INR 2,000,000 - 3,500,000; Full time

Job summary

Paisabazaar.com is looking for a Business Head for Home Loans to oversee the strategic growth and development of its home loan business. The ideal candidate will drive scalable growth through digital and offline channels while ensuring a seamless customer journey.

The role requires at least 10 years of experience in financial services, with strong leadership in managing Home Loans or similar products. Key responsibilities include crafting the overall business strategy and leading a high-performance team.

Qualifications

• 10 years of experience in the financial services industry.
• At least 5 years in a senior leadership role managing Home Loans or similar products.
• Proficient in digital marketing and omnichannel distribution strategies.

Responsibilities

• Lead the development and execution of the overall business strategy for Home Loans.
• Drive scalable growth through both online and offline channels.
• Ensure a consistent and seamless customer experience across all channels.

Skills

Strategic Leadership

Digital Acquisition Strategies

P&L Management

Customer Experience Design

Team Leadership

Risk Management

Education

Bachelor's degree in Business, Finance, Economics

MBA or advanced degree

Job description

Job Description for Business Head - Home Loans

Role Overview

The Business Head - Home Loans will oversee the strategic growth and development of the home loan business, focusing primarily on retail mortgage products. The role involves designing and executing strategies to scale the business through both digital acquisition and traditional offline distribution channels, ensuring a seamless customer journey from 0 to 1. The ideal candidate will be a visionary leader with experience in scaling products through innovative digital and offline strategies while ensuring operational excellence.

Key Responsibilities

• Strategic Leadership & Business Growth:
  • Lead the development and execution of the overall business strategy for Home Loans and mortgage products.
  • Create and execute a roadmap to drive scalable growth, leveraging both digital acquisition (online channels, social media, SEO, etc.) and offline distribution (branch network, agents, partnerships).
  • Identify opportunities for expanding the customer base through innovative acquisition strategies, targeting specific customer segments.
• Product Development & Management:
  • Oversee the entire product lifecycle for Home Loans/Housing Finance, ensuring that offerings are aligned with customer needs, competitive trends, and regulatory guidelines.
  • Lead the journey from 0 to 1, ensuring a seamless onboarding process and experience for new customers, from acquisition to activation.
  • Collaborate with digital teams to develop an integrated digital acquisition journey that promotes frictionless online sign‑up and product activation.
• Scaling the Business:
  • Drive scalable growth through both online and offline channels to maximize customer acquisition and retention.
  • Develop and implement strategies to enhance distribution through partnerships, third‑party alliances, and digital platforms.
  • Optimize customer onboarding, ensuring efficient and user‑friendly processes across multiple touchpoints to drive higher conversion rates.
• Profitability & P&L Management:
  • Take ownership of the P&L for the Home Loans segment, ensuring revenue and cost targets are met while scaling the business efficiently.
  • Track business performance, analyze customer behavior, and optimize strategies to ensure profitability and sustainable growth.
• Customer Experience & Digital Transformation:
  • Lead the transformation of the customer experience by integrating digital tools, improving the overall 0 to 1 journey.
  • Ensure a consistent, seamless customer experience across all touchpoints (online, mobile, in‑branch), with an emphasis on digital acquisition and onboarding.
  • Continuously evaluate and improve the customer experience to drive long‑term engagement and retention.
• Risk Management & Compliance:
  • Ensure compliance with all regulatory requirements for Home Loans and monitor credit risk practices.
  • Work closely with risk teams to manage fraud prevention, credit risk, and collection strategies, ensuring a healthy portfolio.
• Team Leadership & Collaboration:
  • Build and lead a high‑performance team, including roles focused on product development, digital marketing, customer acquisition, and distribution.
  • Foster a collaborative environment where cross‑functional teams (marketing, product, sales, and risk) can work together to execute strategies.
  • Provide coaching and mentorship to team members, encouraging professional growth and enhancing team effectiveness.
• Stakeholder Management:
  • Work closely with senior leadership and key internal stakeholders to align on objectives, timelines, and KPIs for the home loan business.
  • Manage relationships with external partners, vendors, and financial institutions to drive product adoption and growth.
• Data Analytics & Performance Metrics:
  • Utilize data analytics to measure and track key business metrics, including customer acquisition, retention, product usage, and profitability.
  • Use data insights to continuously refine digital and offline acquisition strategies, optimizing marketing spend and distribution channels.

Required Qualifications & Skills

• Education:
  • Bachelor's degree in Business, Finance, Economics, or related field.
  • MBA or advanced degree is a plus.
• Experience:
  • 10 years of experience in the financial services industry, with at least 5 years in a senior leadership role managing Home Loans, Mortgage Loans, or similar lending products.
  • Proven expertise in driving digital acquisition strategies and scaling products across online and offline channels.
  • Extensive experience in managing Housing Finance products, including product design, marketing, risk management, and compliance.
• Skills & Expertise:
  • Strong understanding of mortgage and home loan products, with specific experience in Housing Finance and credit risk.
  • Demonstrated ability to design and execute end‑to‑end customer journeys (0‑1), focusing on digital onboarding and activation.
  • Proficient in managing P&L, budgeting, and driving business growth.
  • Expertise in digital marketing, online customer acquisition, and omnichannel distribution strategies.
  • Excellent leadership, communication, and Job Descrip