Cluster Head

Job Title : Cluster Head – Business Loans

Department : Business Banking / MSME Lending

Location : Chandigarh

Job Purpose :

Drive the growth and profitability of the business loan portfolio within the assigned region by effectively managing sales, customer relationships, and operational excellence. The role focuses on achieving sales targets, building a high-quality loan book, ensuring timely collections, and leading a large sales team to deliver sustainable business growth.

Key Duties and Responsibilities :

• Lead business development activities to grow the unsecured and secured business loan portfolio .
• Develop and implement strategic plans to acquire new customers and retain existing clients .
• Provide product expertise on business loans, including CC / OD facilities, and support the team with market insights.
• Collaborate cross-functionally with the Credit, Operations, and Collections teams to ensure smooth execution.
• Track and analyze team performance through regular reviews, goal setting, and feedback sessions.
• Ensure timely and accurate submission of MIS reports – daily, weekly, and monthly.
• Monitor portfolio quality , track delinquencies, and drive timely repayments to maintain healthy asset quality.
• Regularly travel across the assigned cluster to support business and team requirements.

Experience / Skills / Qualifications :

Skills Required

Team Management, Credit Operations, Business Loans, Collections