Head Micro Assets
ConfidentialThrissur30+ days ago
Job descriptionBusiness Strategy and Growth Develop and implement the overall strategy for the Micro Assets business. Achieve disbursement, portfolio outstanding (POS), and fee income targets. Expand the Micro Assets portfolio into new geographies and customer segments. Build strategic partnerships with NGOs, SHGs, and community-based organizations. Credit and Portfolio Management Drive credit underwriting policies balancing growth and asset quality. Monitor portfolio quality (PAR, NPA, Write-off ratios) and take corrective actions. Implement early warning systems and collection strategies. Ensure credit risk is managed in line with the banks risk appetite framework. Product and Process Innovation Develop new microfinance products tailored to customer needs. Continuously review and enhance customer onboarding, loan processing, and disbursement processes. Leverage technology to streamline operations and improve customer experience. Team Leadership and Capability Building Lead a large team comprising regional, cluster, and branch-level micro-asset officers. Set performance KPIs, monitor productivity, and drive team engagement. Design and deliver capability-building programs to enhance field-force skills. Regulatory Compliance and Governance Ensure strict adherence to RBI regulations on priority sector lending (PSL) and microfinance guidelines. Maintain strong governance practices, including credit audits and internal controls. Prepare for regulatory and statutory inspections. Stakeholder Management Work closely with Credit Risk, Collections, Audit, Compliance, Operations, and Technology teams. Represent the Micro Assets vertical at internal governance committees and external forums.
Qualification :
- Post-Graduate Degree in Management (MBA / PGDM) / Finance / Rural Management / Social Work.
- Preferably with certifications in Microfinance / Risk Management.
- Experience :
- Minimum 15-18 years of experience in financial services.
- At least 7-10 years in leadership roles managing microfinance or small-ticket retail lending (secured or unsecured).
- Experience in a Small Finance Bank / NBFC-MFI preferred
Skills Required
Risk Management, Security Management, Reporting, Data Analysis
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Asset • Thrissur
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