Senior Vice President - Loan Operations - Home Loans/Mortgages/Small Business Lending

Description:

Role Overview

We are looking for a seasoned retail lending leader with deep expertise in building, scaling, and managing retail loan portfolios. The role involves end-to-end ownership of product strategy, credit, growth, risk, and profitability across retail lending businesses.

Key Responsibilities:

- Lead and scale retail lending portfolios.

- Define long-term business strategy aligned with growth, risk, and profitability targets.

- Drive PAN-India expansion through branches, DSAs, digital, and partnership channels.

- Own P&L for retail lending vertical.

Credit & Risk:

- Oversee credit policy formulation, underwriting standards, and risk frameworks

- Balance growth with asset quality (GNPA, NNPA, ECL, vintage tracking)

- Drive portfolio analytics, early warning signals, and stress testing

- Ensure strong fraud risk, policy governance, and compliance controls

Operations & Execution:

- Optimize end-to-end loan lifecycle: sourcing underwriting disbursement servicing

- Improve TAT, customer experience, and operational efficiency

- Implement automation, digital underwriting, and LOS/LMS enhancements

Leadership & Stakeholder Management:

- Build and mentor large cross-functional teams (Sales, Credit, Ops, Collections, Analytics)

- Work closely with senior leadership, Board, regulators, and auditors

- Manage external partners, fintech alliances, and vendors

Compliance & Governance:

- Ensure adherence to RBI regulations, internal policies, and audit requirements

- Lead regulatory inspections and internal/external audits

Key Skills & Competencies:

- Deep domain expertise in Retail Credit and Lending Products

- Strong understanding of Risk Management & Portfolio Analytics

- Proven P&L ownership and scale-up experience

- Leadership experience managing large, diverse teams

- Strong stakeholder management and decision-making skills