About the client: PSS has been mandated to hire a Zonal Business Head - Individual Loans for a leading financial services institution specializing in microfinance loans and group lending, with a strong presence across multiple states in India.
Job Purpose:
The purpose of this role is to lead and drive the individual loan business in the assigned zone by executing strategies, building strong teams, and ensuring business growth. The role focuses on achieving loan disbursement and revenue targets, maintaining portfolio quality, and ensuring operational efficiency across branches and field teams.
Key Responsibilities:
- Drive growth in individual loan products, identify new business opportunities and geographies, and execute business plans to meet zonal disbursement and revenue targets.
- Lead, mentor, and build high-performance teams including Regional Managers, Area Managers, and field staff. Ensure robust hiring, training, performance management, and create a strong sales culture.
- Oversee portfolio performance, ensure high-quality sourcing and underwriting, minimize delinquency, and coordinate with credit and collections for effective risk management.
- Manage the end-to-end loan lifecycle – from lead generation and credit assessment to disbursement and servicing. Maintain productivity benchmarks and drive digitization in loan operations.
- Ensure adherence to regulatory norms, internal policies, and audit guidelines. Implement checks and controls to minimize risks and address compliance gaps proactively.
- Track competitor activities, market trends, and customer needs. Provide regular business updates and insights to senior management. Leverage MIS and analytics for informed decision-making.
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Educational Qualifications And Experience:
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Master’s degree (MBA preferred) in Business Administration, Finance, or related field.
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Minimum 20+ years of overall experience in retail/individual lending, with at least 5+ years in zonal/regional leadership roles in NBFCs or banks..
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Strong expertise in individual loan products and lending operations.
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Strong proficiency in English, Tamil (mandatory)
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Proven leadership, people management, and strategic execution skills
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Strong financial acumen, communication, negotiation, and analytical skills.
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Proficiency in CRM and loan management systems
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Job Summary
Posted On:
20-Aug-2025
Function:
Sales & Business Development
Industry:
Banking, Microfinance & NBFC
Location:
Tamil Nadu, Trichirappalli
Employment Type:
Full Time