State Business Head - Group Loan

Job Title: State Business Head Group Loan

Location: Odisha

Experience: 8-12 Years

Key Responsibilities:

Strategic Planning & Execution:

- Drive overall business strategy for group loan operations in the state.

- Set state-level goals for portfolio growth, client acquisition, and team performance.

Team Leadership & Management:

- Lead and manage a team of Regional Managers, Area Managers, and Branch Managers.

- Build capacity through recruitment, training, mentoring, and performance evaluations.

Business Development:

- Identify and develop new markets and business opportunities.

- Ensure customer acquisition, loan disbursement, and recovery targets are met.

Operational Excellence:

- Monitor and improve process adherence, turnaround time, and service delivery quality.

- Implement and ensure compliance with all company policies, SOPs, and regulatory guidelines.

Portfolio & Risk Management:

- Maintain a healthy loan portfolio with minimal NPAs.

- Ensure robust credit underwriting practices and periodic field audits.

Stakeholder Management:

- Coordinate with HO functions (Credit, HR, Finance, etc.) for smooth operations.

- Liaison with local authorities and stakeholders for business facilitation.

Key Requirements:

Education: Graduate/Postgraduate, preferably in Business Administration, Finance, or Rural Development.

Experience: 8-12 years in microfinance or group lending, with at least 3 years in a leadership role managing a large team and multiple branches.

Skills: Strong leadership, analytical, and communication skills. Proficiency in MIS reporting and regional language is a plus.

Travel: Willingness to travel extensively within the state.