Affordable Housing Finance · Delhi NCR Region
LOCATION Gurgaon / Delhi / Noida , Travel across Delhi NCR
EXPERIENCE REQUIRED 10+ Years
EMPLOYMENT TYPE Full-time · On-site
REPORTS TO National Sales Head / Chief Business Officer
CTC RANGE Up to I 35 LPA
Vastu Housing Finance Corporation Limited is a leading affordable housing finance company providing home loans to underserved and middle-income segments across India, with strong presence across Tier 2 and Tier 3 cities and an NHB-refinanced balance sheet.
Vastu Housing Finance Corporation Limited · Delhi NCR Region
Vastu Housing Finance Corporation Limited is a leading affordable housing finance company focused on providing home loans to the underserved and middle-income segments across India. With a strong presence in Tier 2 and Tier 3 cities, Vastu empowers millions to own their homes through responsible, accessible, and customer-centric financial solutions backed by NHB refinancing.
The State Head will own the complete business performance, growth strategy, and leadership of Vastu Housing Finance's Delhi NCR State operations. This is a senior leadership position responsible for driving disbursements, managing multi-zone teams, ensuring portfolio quality, and scaling Vastu's market presence across the Delhi NCR region , one of India's largest affordable housing markets.
This role requires strategic vision, execution excellence, and the ability to build and mentor high-performing teams across a geographically diverse region.
- Own and drive the state's disbursement targets, AUM growth, and overall P&L.
- Develop and execute business strategies aligned with national objectives.
- Create 3–5 year growth roadmaps identifying market expansion opportunities.
- Monitor and optimize ROI, cost-to-income ratio, and profitability.
- Lead, mentor, and manage Zonal Heads, Regional Heads, and senior management.
- Build a high-performing leadership team with strong accountability.
- Conduct talent reviews, succession planning, and capability development.
- Drive talent retention and recruitment for senior positions.
- Execute targeted business development strategies for urban and semi-urban markets.
- Identify and penetrate new geographies and underserved customer segments.
- Build strategic relationships with DSA partners, developers, and connectors.
- Conduct periodic market mapping and competitive analysis.
- Ensure portfolio quality through proactive NPA monitoring and management.
- Implement and oversee credit risk controls and underwriting standards.
- Drive collections efficiency and recovery mechanisms.
- Ensure compliance with regulatory guidelines and internal credit policies.
- Drive operational excellence and standardization across all zones and branches.
- Ensure 100% regulatory compliance and audit readiness.
- Oversee MIS reviews, branch performance analytics, and KPI tracking.
- Implement corrective action plans for underperforming zones.
- Ensure adherence to RBI guidelines and HFC regulations.
- Represent Vastu Housing Finance in local industry forums and government engagements.
- Liaise with Delhi NCR real estate associations and regulatory authorities.
- Build relationships with developers, housing societies, and community organizations.
- Participate in investor relations and corporate governance initiatives.
- 14–20 years in housing finance, NBFC, banking, or fintech sectors.
- Minimum 7–8 years in senior leadership roles (State Head, Circle Head, or equivalent).
- Proven track record in affordable housing, home loans, or LAP segments.
- Direct experience managing geographically dispersed teams across zones.
- Demonstrated experience scaling operations in competitive markets.
- Deep understanding of Delhi NCR's real estate market and mortgage lending dynamics.
- Strong knowledge of mortgage products, credit policies, and regulatory framework.
- Familiarity with affordable housing schemes and government initiatives.
