Head Micro Assets

• Business Strategy and Growth
• Develop and implement the overall strategy for the Micro Assets business.
• Achieve disbursement, portfolio outstanding (POS), and fee income targets.
• Expand the Micro Assets portfolio into new geographies and customer segments.
• Build strategic partnerships with NGOs, SHGs, and community-based organizations.
• Credit and Portfolio Management
• Drive credit underwriting policies balancing growth and asset quality.
• Monitor portfolio quality (PAR, NPA, Write-off ratios) and take corrective actions.
• Implement early warning systems and collection strategies.
• Ensure credit risk is managed in line with the banks risk appetite framework.
• Product and Process Innovation
• Develop new microfinance products tailored to customer needs.
• Continuously review and enhance customer onboarding, loan processing, and disbursement processes.
• Leverage technology to streamline operations and improve customer experience.
• Team Leadership and Capability Building
• Lead a large team comprising regional, cluster, and branch-level micro-asset officers.
• Set performance KPIs, monitor productivity, and drive team engagement.
• Design and deliver capability-building programs to enhance field-force skills.
• Regulatory Compliance and Governance
• Ensure strict adherence to RBI regulations on priority sector lending (PSL) and microfinance guidelines.
• Maintain strong governance practices, including credit audits and internal controls.
• Prepare for regulatory and statutory inspections.
• Stakeholder Management
• Work closely with Credit Risk, Collections, Audit, Compliance, Operations, and Technology teams.
• Represent the Micro Assets vertical at internal governance committees and external forums.

Qualification:

• Post-Graduate Degree in Management (MBA/PGDM) / Finance / Rural Management / Social Work.
• Preferably with certifications in Microfinance / Risk Management.
• Experience:
• Minimum 15-18 years of experience in financial services.
• At least 7-10 years in leadership roles managing microfinance or small-ticket retail lending (secured or unsecured).
• Experience in a Small Finance Bank / NBFC-MFI preferred