Job Summary:

We are looking for an experienced Sales Head (B2C) to own the complete Profit & Loss (P&L) and drive regional or national business growth for retail lending products. The role will be responsible for building and scaling multi-channel distribution networks, driving revenue and market expansion, and ensuring portfolio quality across products such as Home Loans and Loans Against Property (LAP).

The ideal candidate should have strong experience in retail lending sales, distribution strategy, P&L management, business expansion, and portfolio management within the NBFC / financial services sector.

Key Responsibilities:

- Own the complete P&L for the assigned business, region, or product portfolio.

- Develop and execute business strategies to achieve revenue, profitability, and growth targets.

- Drive regional/national sales growth across Home Loans, LAP, and other retail lending products.

- Build, expand, and manage multi-channel distribution networks including direct sales, DSA/DMA, partnerships, branches, and other channels.

- Identify new markets, geographies, customer segments, and distribution opportunities to accelerate business growth.

- Develop and execute market expansion and revenue growth strategies.

- Drive customer acquisition, lead generation, conversion, and overall sales productivity.

- Establish sales targets, monitor performance, and ensure achievement of business KPIs.

- Manage and optimize the complete sales funnel from lead generation to disbursement.

- Build strong relationships with channel partners, intermediaries, customers, and key stakeholders.

- Monitor portfolio performance and ensure healthy asset quality and credit discipline.

- Work closely with Credit, Risk, Operations, Collections, Product, and Finance teams to ensure sustainable business growth.

- Identify portfolio risks, market trends, and business gaps and implement appropriate corrective actions.

- Drive process improvements, sales productivity, cost optimization, and operational efficiency.

- Lead, mentor, and develop large sales and business development teams.

- Establish performance management frameworks and create a high-performance sales culture.

- Provide regular business reviews, forecasts, market intelligence, and strategic recommendations to senior management.

Required Skills & Experience:

- Proven experience in B2C / Retail Lending Sales within an NBFC, Bank, Housing Finance Company, or financial services organization.

- Strong experience across Home Loans, Loans Against Property (LAP), or similar secured retail lending products.

- Proven track record of owning P&L and business growth.

- Strong expertise in regional or national sales management.