Cluster Head

Job Description: Cluster Head – Home Finance

Location:	Ahmedabad, Gujarat
Company:	Sundaram Home Finance Ltd.

About Sundaram Home Finance

Sundaram Home Finance Ltd. is a trusted housing finance company and a part of the renowned Sundaram Finance Group, known for its strong governance, customer-centric approach, and prudent lending practices. The company offers a wide range of home finance solutions with a focus on delivering exceptional customer service while maintaining high standards of credit quality and operational excellence.

Position Summary

The Cluster Head is responsible for driving the overall business performance of the assigned cluster by leading multiple branches, achieving business growth, ensuring portfolio quality, and building a high-performing sales team. The role requires strong leadership, sound credit understanding, market development capabilities, and the ability to deliver sustainable business growth while upholding Sundaram Home Finance's values of integrity, transparency, and customer trust.

Key Responsibilities

Business Growth & Revenue Management

• Drive achievement of home loan, LAP (Loan Against Property), and affordable housing business targets across the assigned cluster.
• Develop and execute regional business plans aligned with organizational objectives.
• Identify new business opportunities and expand market penetration through builder relationships, DSAs, connectors, and channel partners.
• Ensure healthy branch productivity and sustainable portfolio growth.

Branch Leadership & Team Management

• Lead, mentor, and develop Branch Managers and sales teams across multiple locations.
• Drive a high-performance culture through regular coaching, reviews, and performance management.
• Build strong succession pipelines and ensure capability development of key talent.
• Foster employee engagement while promoting Sundaram's ethical and customer-first culture.

Credit & Portfolio Quality

• Ensure adherence to credit policies and underwriting guidelines.
• Monitor portfolio health, delinquency trends, and collection performance.
• Work closely with Credit, Operations, and Collections teams to maintain superior asset quality.
• Drive corrective actions for overdue accounts and minimize NPAs.

Sales & Channel Development

• Build and strengthen relationships with builders, developers, property consultants, DSAs, and key referral partners.
• Increase sourcing through direct channels and strategic partnerships.
• Monitor competitive activities and recommend market-specific business strategies.

Customer Experience

• Ensure consistent delivery of superior customer service across all branches.
• Resolve escalated customer concerns promptly while maintaining high customer satisfaction.
• Strengthen the company's reputation through ethical business practices and service excellence.

Compliance & Governance

• Ensure complete adherence to RBI guidelines, NHB regulations, internal policies, and audit requirements.
• Maintain high standards of operational discipline, documentation, and statutory compliance.
• Drive risk awareness and ensure strong internal controls across the cluster.

Business Reviews & Reporting

• Review branch performance through regular MIS and business dashboards.
• Analyze productivity, profitability, conversion ratios, portfolio quality, and operational efficiency.
• Present business performance and action plans to senior leadership.

Desired Candidate Profile

Qualification

• Graduate in any discipline.
• MBA/PGDM in Marketing, Finance, or related field preferred.

Experience

• 10–15 years of experience in Housing Finance, Retail Assets, Home Loans, or Mortgage Lending.
• Minimum 4–5 years in a leadership role managing multiple branches or a regional business.
• Proven experience in driving business growth while maintaining strong portfolio quality.

Required Competencies

• Strong understanding of Home Loans, LAP, Affordable Housing Finance, and retail lending.
• Expertise in sales management, credit assessment, and portfolio management.
• Ability to build and manage high-performing sales teams.
• Excellent relationship management and stakeholder engagement skills.
• Strong analytical and decision-making capability.
• Sound knowledge of regulatory requirements and compliance standards.
• High levels of integrity, accountability, and customer orientation.

Key Performance Indicators (KPIs)

• Achievement of business and disbursement targets.
• Growth in branch productivity and market share.
• Portfolio quality and NPA control.
• Collection efficiency and delinquency management.
• Channel partner productivity and relationship development.
• Customer satisfaction and turnaround time.
• Employee productivity, engagement, and retention.
• Compliance and audit adherence.

Why Join Sundaram Home Finance?

At Sundaram Home Finance, you become part of an organization built on over six decades of trust, financial prudence, and customer commitment. The company offers a collaborative work environment, strong governance practices, opportunities for professional growth, and the chance to contribute meaningfully to India's expanding housing finance sector while building a rewarding long-term career.