Job Details
Regional Head -ABG / Chennai
chennai
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JOB DESCRIPTION
Name of the Department
Wholesale Banking
Role
Regional Head
Designation
DVP to VP
Location
Delhi
Reporting To
Head - Aspiring Business Group
Job Purpose / Summary:
We are looking for an accomplished and visionary Regional Head to spearhead business loan operations across a larger geographical territory, encompassing 100+ branches. The ideal candidate will bring extensive experience in growing secured and unsecured business loan products, with a strong focus on strategic leadership, business expansion, and operational excellence.
The role requires a dynamic leader with the ability to lead multi-layered teams, optimize sourcing channels (DSA & Direct), drive on-time collections, and achieve sustained growth in sales, profitability, and portfolio quality. Candidates with a robust background in banking or financial services and deep knowledge of regional markets will be preferred.
Duties and Responsibilities:
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Strategic Oversight: Lead and manage the overall business operations of a Region comprising 100 to 120 branches, ensuring alignment with corporate goals and profitability targets.
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Team Leadership: Supervise a multi-tiered team including Cluster Heads, Area Managers, and Relationship Managers. Promote leadership development and a performance-driven culture across the hierarchy.
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Business Growth: Drive consistent growth in both secured and unsecured loan portfolios, ensuring the
achievement of sales, disbursement, and productivity KPIs across regions.
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Channel Optimisation: Strengthen DSA networks while building robust Direct Sourcing strategies to maximise lead generation, conversion rates, and customer acquisition efficiency.
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Policy & Compliance Governance: Ensure strict adherence to all internal policies, regulatory guidelines, and risk management frameworks across the territory.
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Cross-Functional Collaboration: Liaise with Credit, Risk, Collections, Legal, and Operations teams to resolve challenges, fast-track disbursements, and enhance customer service levels.
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Portfolio Quality Management: Continuously monitor asset health, reduce delinquencies, and implement proactive measures to maintain portfolio quality and minimize NPAs.
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Market Penetration & Strategy: Utilize deep regional insights to craft and implement customized market penetration strategies, targeting high-potential clusters and underserved segments.
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Performance Management: Track team and territory performance using data-driven dashboards, drive accountability, and implement corrective actions to address gaps.
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Change Leadership: Champion innovation and transformation initiatives to improve operational efficiency, digital adoption, and customer engagement across branches.
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Attrition Management: To ensure lower employee attrition in the assigned Region.
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Experience / Skillset / Certifications Required:
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Experience & Leadership: 15+ years of experience in lending/sales, including 8–10 years in a regional/territory leadership role overseeing large and distributed teams.
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Business Loan Expertise: In-depth experience in both secured and unsecured business loans / LAP / CC / OD with a clear understanding of risk frameworks, credit policies, and competitive offerings.
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Channel Management: Proven capability in managing and scaling both DSA and Direct Sourcing models. Strong vendor management and channel partner relationship skills.
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Strategic Thinking: Ability to think long-term, align tactical plans with broader business goals, and anticipate market shifts.
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People Development: Strong mentor and coach with a focus on building future leadership pipelines and enhancing field productivity.
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Analytical Acumen: Proficient in leveraging data analytics for business planning, lead management, and portfolio risk assessments.
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Regional Acumen: Deep familiarity with regional dynamics, local competition, customer behaviour, and regulatory ecosystem.
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Industry Background: Preferably from a Banking or NBFC background with hands-on knowledge of business loan ecosystems and distribution management.
Overall Skills –
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Education: Graduate (mandatory), MBA or equivalent postgraduate qualification (preferred)
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Strong business acumen and analytical thinking
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Excellent leadership, interpersonal, and communication skills
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Resilience under pressure and a goal-oriented mindset
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Adaptability to diverse geographies and evolving market conditions