Zonal Head - Micro Banking

NB : We are recruiting for a scheduled commercial bank.

Job Title: Zonal Head - Micro Banking.

Location: Madurai ( Candidate will be later moved to Chennai).

Years of Experience : 15+ Years.

Qualification : Degree/PG.

A Zonal Head - Micro Banking is a senior leadership role in a bank or micro-finance division, responsible for the overall business, operations, and risk management of micro-banking activities across a defined geographic zone (often a group of states or a large region).

Key Responsibilities.

Business Growth & Strategy:

- Set and achieve targets for micro-loans, savings, insurance, and cross-sell products in the zone.

- Identify new markets, partnerships, and products to expand outreach.

Team Leadership:

- Manage and mentor Regional/Area Managers and branch teams.

- Drive performance through regular reviews, training, and capacity building.

Operations & Compliance:

- Ensure adherence to RBI and internal compliance guidelines, KYC/AML norms, and audit requirements.

- Monitor portfolio quality-PAR (portfolio at risk), NPA levels-and implement corrective actions.

Risk & Credit Management:

- Oversee credit underwriting standards, approval processes, and collection efficiency.

- Mitigate credit, operational, and reputational risks.

Customer & Community Engagement:

- Promote financial inclusion initiatives and maintain strong relationships with local communities, NGOs, and government programs.

Typical Qualifications:

- Graduate or postgraduate degree in finance, business, or related field (MBA preferred).

- 10-15+ years of banking or micro-finance experience, with several years in regional or zonal leadership.

- Strong knowledge of micro-lending, rural banking, and regulatory environment.