Regional Business Head-Rural Micro Enterprises (Karnataka/Odisha/WB/Jharkhand/UP/AP&TS)

POSITION SUMMARY:

The Regional Business Head is responsible for driving on-ground execution of business strategies and supporting the growth of the Rural Micro Enterprises portfolio within the assigned territory. The role involves managing field operations, enhancing productivity across branches and sub-BC outlets, and ensuring effective delivery of products such as Unsecured Loans, MSME Loans, and Micro LAP, while maintaining portfolio quality.

Vacancies and Location: Odisha, West Bengal, Jharkhand, Uttar Pradesh, Andhra Pradesh & Telangana, Karnataka

KEY RESPONSIBILITIES:

Business Delivery & Growth

• Drive regional business targets including disbursements, revenue, and portfolio growth
• Identify opportunities to expand reach in underpenetrated markets
• Ensure effective execution of business plans across branches

Sales & Distribution Management

• Manage branch network and sub-BC channels across the region
• Strengthen sourcing channels and improve conversion rates
• Optimize resource deployment to maximize productivity

Team Leadership & People Management

• Lead and manage Area Managers and Branch Managers
• Drive performance culture and accountability across teams
• Coach and develop teams to enhance productivity

Portfolio Quality & Risk Management

• Monitor portfolio quality metrics such as PAR and delinquency
• Drive collections efficiency and ensure recovery targets are met
• Take proactive measures to control credit risk

Operational Excellence

• Ensure adherence to processes, policies, and SOPs
• Improve turnaround times and service delivery standards
• Drive operational efficiency across branches

Execution of Strategy

• Implement zonal and central strategies at regional level
• Drive campaigns, product initiatives, and process rollouts
• Provide feedback from the field to refine business strategies

Performance Monitoring & Reporting

• Track daily and monthly KPIs through MIS
• Conduct regular performance reviews with teams
• Drive corrective actions for performance gaps

Compliance & Governance

• Ensure adherence to regulatory and internal guidelines
• Support audits and ensure timely closure of observations

DESIRED PROFILE:

Qualifications and Skills

• 8+ years of experience in financial services / rural lending business
• Post-Graduate Degree in Management (MBA/PGDM) / Finance / Rural Management / Social Work
• Proven track record in loan originations, collections, and team leadership.
• Strong people-management skills with experience in handling large field team and supervisors.