CH – Job Description:

Duties and Responsibilities:

Ø Provide strategic leadership and operational oversight across the entire cluster, comprising approximately 42–50 branches, to ensure optimal performance and alignment with business objectives.

Ø Supervise and guide a large and diverse team, including 5–6 Area Managers and 20–30 Relationship Managers, fostering a high-performance culture.

Ø Drive sustainable growth in both secured and unsecured business loan portfolios, ensuring consistent achievement of monthly and annual sales, disbursement, and productivity targets, along with collections.

Ø Ensure on-time Repayment for the Regular and SMA-0 Portfolio.

Ø Formulate and execute regional business strategies aimed at enhancing market penetration, improving channel efficiency, and achieving overall revenue objectives.

Ø Oversee and strengthen the performance of DSA (Direct Selling Agent) networks while optimizing direct sourcing channels to enhance lead quality and conversion rates.

Ø Ensure strict adherence to all regulatory guidelines, company policies, and compliance frameworks across all operational activities within the cluster.

Ø Monitor team performance through regular reviews, providing coaching, mentoring, and training interventions to improve capabilities and drive consistent outcomes.

Ø Collaborate closely with key internal stakeholders, including Credit, Risk, Collections, and Operations, to ensure seamless loan processing and exceptional customer service delivery.

Ø Maintain a proactive focus on portfolio health, identifying and mitigating risks to ensure the quality of assets across all branches under management.

Ø To ensure the timely closure of Audit Observations and Minimizing Financial Misappropriation.

Experience / Skillset / Certifications Required:

Ø Experience & Leadership: Possess a proven track record of 12–15 years in the lending and sales domain, with a minimum of 6–10 years in a senior leadership position, successfully managing large teams and driving business outcomes.

Ø Expertise in Business Loans: Demonstrate deep proficiency in both secured and unsecured business loan / CC / OD / LAP products, with a comprehensive understanding of their respective market dynamics, regulatory requirements, and risk mitigation strategies.

Ø Direct Sourcing & DSA Management

Ø Leadership & People Management

Ø Performance Management

Ø Regional Market Knowledge

Ø Industry Background

· Overall Skills:

v Good communication skills

v Leadership & Team Management

v Conflict Resolution

v Analytical Thinking

v Customer centricity