Zonal Business Head - Group Loans (PSS08143)

About the Company

A financial services organisation engaged in lending and microfinance activities, with a focus on expanding its presence across multiple regions. The organisation emphasises sustainable business growth, operational efficiency, portfolio quality, regulatory adherence and long-term profitability.

Position Overview

A Zonal Business Head – Group Loans position within a financial services organisation, responsible for overseeing and expanding group lending operations across an assigned geographical zone. The role focuses on business growth, portfolio performance, operational efficiency, collections and regulatory compliance, while providing leadership to regional and area-level teams to achieve business objective

Key Responsibilities

• Drive business growth through acquisition of new customers and expansion of the group loans portfolio.
• Develop and execute zonal business plans aligned with organizational objectives.
• Achieve monthly, quarterly, and annual targets for loan disbursement, portfolio outstanding, customer acquisition, and branch productivity.
• Identify untapped markets and recommend expansion opportunities.
• Ensure portfolio quality is maintained within defined risk parameters by monitoring PAR, delinquency, overdue accounts, and collection efficiency.
• Implement corrective actions to control portfolio deterioration and develop recovery strategies for high-risk branches.
• Lead, mentor, and develop Regional Managers, Area Managers, and Branch Management teams to build a high-performance sales and operations culture.
• Conduct regular performance reviews, provide coaching, and drive employee engagement, productivity, and retention.
• Ensure adherence to standard operating procedures, process controls, and monitor branch operations for efficiency and customer service excellence.
• Coordinate seamlessly between Business, Credit, Operations, and Collections functions to improve productivity metrics.
• Ensure compliance with regulatory requirements, company policies, audit standards, and internal controls, including fraud prevention and risk mitigation.
• Drive zonal profitability and cost optimization by monitoring branch-level P&L performance and efficient utilization of budgets and resources.
• Build strong relationships with internal stakeholders and represent the organization in industry and market forums as required.
• Support strategic initiatives and special projects assigned by management.

Required Experience & Qualifications

• Education: Graduate in any discipline (mandatory); MBA/PGDM in Finance, Marketing, Banking, or related field preferred.
• Experience: 18+ years in NBFC, Microfinance, Banking, or Financial Services with a minimum of 5–7 years in leadership roles managing large-scale Group Loan/Microfinance operations.
• Leadership: Proven ability to lead multi-state or zonal business operations, managing Regional and Area Managers and influencing cross-functional teams.
• Technical Expertise: Strong exposure to portfolio management, collections, risk control, business expansion, and regulatory compliance.
• Soft Skills: Strategic leadership, operational excellence, team development, stakeholder management, and customer-focused execution.

Why Consider this Opportunity?

• Lead a critical business vertical with direct impact on portfolio growth and profitability across a significant geographic zone.
• Drive operational excellence and risk management in a highly regulated financial services environment.
• Shape and mentor a high-performing leadership team, influencing organizational culture and productivity.
• Engage with cross-functional stakeholders and represent the organization in industry forums, enhancing professional visibility.
• Contribute to strategic initiatives with scope for innovation and business expansion in the group loans segment.

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