Business Head – Mortgages (PSS08011)

Personnel Search Services Group; Hyderabad; On-site; INR 3,000,000 - 5,000,000; Full time

Job summary

Personnel Search Services Group is looking for a Head – Mortgages Business in Hyderabad. This strategic leadership role involves overseeing the mortgage portfolio, reporting directly to the MD & CEO. Candidates must have 18–25+ years of experience in Mortgage and Housing Finance, with a strong focus on strategy, sales, and compliance.

The successful candidate will drive growth and manage a high-performing team while ensuring regulatory compliance. This position is ideal for leaders with proven success in the banking or NBFC sectors.

Qualifications

• 18–25+ years in Mortgage, Housing Finance, NBFC, or Banking sectors.
• Proven success in scaling Home Loans and LAP businesses.
• Experience managing large, multi-location teams and direct reporting.

Responsibilities

• Define and execute mortgage business strategy.
• Drive AUM growth across Home Loans, LAP, and Affordable Housing.
• Ensure adherence to RBI/NHB regulations and compliance.

Skills

Strategic and commercial acumen

Stakeholder management

Data-driven approach

Customer-focused orientation

Regulatory compliance knowledge

Education

Graduate in any discipline; MBA/PGDM preferred

Job description

A fast-growing financial services organization operating in the Mortgage and Housing Finance domain, offering a comprehensive portfolio across Home Loans, Loan Against Property (LAP), and Affordable Housing Loans. The company focuses on sustainable growth, operational excellence, and customer‑centric innovation within the NBFC and Banking ecosystem.

Position Overview

The Head – Mortgages Business will lead the end‑to‑end mortgage portfolio, reporting directly to the MD & CEO. This strategic leadership role is accountable for building, scaling, and profitably managing the mortgage business, encompassing strategy, sales, credit, risk, operations, collections, compliance, and people development.

Key Responsibilities

• Define and execute the mortgage business strategy aligned with organizational goals.
• Drive AUM growth, disbursement volumes, and profitability across Home Loans, LAP, and Affordable Housing segments.
• Identify and expand into new geographies, builder tie‑ups, DSAs, digital channels, and strategic partnerships.
• Develop competitive pricing, product features, and policy frameworks to strengthen market positioning.
• Build and manage branch‑led, DSA, builder, and alternate channel networks to enhance sourcing productivity.
• Monitor key sales metrics including login‑to‑disbursement ratio, ticket size, yield, and turnaround time (TAT).
• Own mortgage credit policies, underwriting standards, and approval matrices ensuring robust property due diligence and risk control.
• Oversee portfolio health through monitoring of delinquencies, GNPA/NNPA, roll‑backs, and early warning signals.
• Drive process automation and digitization across LOS/LMS and property valuation systems to improve efficiency and customer experience.
• Lead collections and recovery strategies across early, bucket, and recovery stages in compliance with RBI guidelines.
• Ensure adherence to RBI/NHB regulations, internal policies, and audit standards through proactive compliance management.
• Build and lead a high‑performing leadership team across sales, credit, operations, and collections, driving capability building and succession planning.

Required Experience & Qualifications

• Education: Graduate in any discipline; MBA/PGDM preferred.
• Experience: 18–25+ years in Mortgage, Housing Finance, NBFC, or Banking sectors with proven success in scaling Home Loans and LAP businesses.
• Leadership: Experience managing large, multi‑location teams and pan‑India operations; direct reporting to senior executive leadership.
• Technical Expertise: Deep exposure to credit underwriting, property due diligence, SARFAESI, collections, and regulatory compliance.
• Soft Skills: Strong strategic and commercial acumen; excellent leadership and stakeholder management; data‑driven, customer‑focused, and compliance‑oriented.

Why Consider this Opportunity?

• Lead the full‑spectrum Mortgage Business with direct impact on growth, profitability, and asset quality.
• Strategic leadership role reporting to the MD & CEO with enterprise‑wide visibility.
• Opportunity to shape digital transformation and process excellence across LOS/LMS platforms.
• Drive innovation in Home Loans, LAP, and Affordable Housing segments across diverse markets.
• Build and mentor a high‑caliber leadership team driving performance, compliance, and customer excellence.