Department: Sales - Secured Loans

- This is a high-impact leadership role for an entrepreneurial business leader to drive profitable growth across India's emerging markets. The regional Business Head will be responsible forbuilding, scaling, and leading a high-performing branch cluster (5-6 branches) within a defined region.

With a sharp focus on customer centricity, operational excellence, and regulatory compliance, this role is central to expanding our reach in non-metro cities and economic hubs.

Responsibilities:

Business Growth & P&L Ownership:

- Deliver the business AOP , P&L for the region

- Drive rapid and sustainable growth across secured lending products

- Maximize revenue through cross-sell, renewals, top-ups, and balance transfers

- Use competitive intelligence and local market insights to shape business strategy

Distribution & Network Expansion:

- Scale a robust network of 4 to 6 full-service branches in the assigned region

- Identify branch locations, manage lease closures, and oversee setup

- Drive direct sourcing via customer events, exhibitions, loan melas, MSME conclaves, roadshows, and local merchant connects

Team Leadership & Capability Building:

- Lead a span of 3 to 6 Branch Heads, 25+ Branch Heads, and 25+ full time employees.

- Recruit, coach, and build a high-performance team of Branch heads & Customer acquisition manager.

- Foster a culture of ownership, agility, compliance, and customer-first execution

Risk, Compliance & Operational Excellence:

- Ensure regulatory adherence, internal audit readiness, and governance excellence

- Oversee cost control, TATs, sourcing quality, recoveries, and risk containment

- Ensure compliance with municipal laws, property regulations, collateral management, litigation, and repossession protocols

Market Intelligence & Strategic Partnerships:

- Build strong networks with local bodies, legal institutions, and fraud prevention agencies

- Leverage local intelligence to identify new business triggers and mitigate risks

- Stay ahead of trends in industries, customer behaviours, and competitor movements

Qualification & Experience:

Educational Background:

- Post graduation/ MBA

- Preferably from Tier 1 or Tier 2 institutions

Experience & Functional Expertise:

- 10-14 years of progressive leadership experience in banks or NBFCs

- Proven P&L ownership and multi-location team leadership experience

- Deep expertise in secured lending products: LAP, Home Loans, Business Loans, Working

- Capital Finance within MSME ecosystem.

- Strong track record in both sales and collections within MSME, B2B, and B2C segments

Key Skills & Competencies:

- Market & Domain Knowledge

- Strong understanding of regional markets, customer segments, and business ecosystems

- Familiarity with compliance, audit, risk frameworks, and regulatory landscape

- Ability to engage with local bodies, legal entities, fraud control, and governance infrastructure

Attributes:

- Demonstrated success in building large-scale distribution networks in emerging markets

- Experience in hiring, developing, and managing high performing, geographically spread teams

- Entrepreneurial mindset with a hands-on approach to problem-solving and execution

Personal Attributes & Mobility:

- High integrity, result orientation, and strong business acumen

- Excellent communication and relationship-building skills

- Willingness to travel extensively across the assigned region.

- Lead Micro Marketing activities and direct acquisition channels for high return on Investment (ROI) and consistent employees productivity