Regional Business Manager-MSME - North

• POSITION DESCRIPTION
  
  

JOB TITLE : Regional Business Manager-LAP (MSME)

GRADE : VP-I

DEPARTMENT : MSME

LOCATION : Regional Office

Business Vertical

TYPE OF POSITION : Full-time

REPORTS TO : Business Head

REPORTING INTO

Area Managers/Circle Business Managers/Regional Product Managers/Regional Business Co-Ordinator

• ROLE PURPOSE & OBJECTIVE
  
  

The incumbent is responsible for the overall performance of the portfolio in his/her region in terms of results and targets set as well as for the correct implementing of the established operational procedure of the Product program, encouraging and supervising the team's productivity, thus achieving the pre-established monthly and yearly goals. Regular and continuous coordination and communication with other departments such as product, credit, operations, IT & HR are fundamental to ensure compliance with results, policies and norms established as well as the development and adjustments of products, marketing strategies, procedures and reporting tools.

• SIZE OF THE ROLE
  
  

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Drive Average Monthly Business of 300- 750 lacs from each Area Manager
• Manage mapped Portfolio of around 275-750 crs.
• Manage the Target P&L
• Manage Team of 4 – 8 Area Managers, Each AM will have Team of 4 – 8 SMs. So Overall Team size of 25 – 60 people (Direct + indirect)
• Maintain Target Portfolio Yield
• Maintain Target Collection efficiency in allocated pool
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE
  
  

Business

• Oversees the performance of the loan's portfolio of his/her region by area and branch in terms of growth (amount and client base) and productivity (loans disbursed per month)
• Monitor for slippages and suggest alternate measures as required
• Developing objectives and strategies for the region that are required to set up Housing Loans Business
• Developing annual budgets for the region and ensuring that the same is implemented as approved
• Track the portfolio for growth & profitability (Numbers & Yield)
• Target to improve market share by New customer acquisition
• Ensure adequate marketing activities to build a Brand
• Ensure adequate number of leads for cross sell of liability and/ or Third Party Products
  
  

Customer

• Ensure customers are educated about all products/services offered by Ujjivan.
• Ensure lower customer attrition by providing different products as per customer requirement
• Resolving conflicts and negotiating with others by handling complaints, settling disputes and resolving grievances maintain/improve SQ level
• Portfolio retention and cross sell & up sell product to the existing customers
• Adequate contact and monitoring of performance for Legal / Technical vendors
  
  

Internal process

• Track & Maintain the portfolio health – Quality underwriting & efficient collection management
• Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.
  
  

Learning & Performance

• Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch
• Ensure adherence to training man-days/ mandatory training programs for self and reportees
• Developing and building teams by building and nurturing mutual trust, respect and imparting trainings for their capability building
• Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
• Manage attrition of the team by implementing required retention measures
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
  
  

Educational

Qualifications

• Post Graduate in Business Administration, Finance or relevant post-graduation
  
  

Experience

• 8 to 12 years experience in any financial institution, with last 5 years in handling large team
  
  

Certifications

• NA
  
  

Functional Skills

• Sales and Marketing skills
• Knowledge on liabilities and other products
• Willingness to travel across locations
• Sound knowledge of MS office
• Team handling skills
• Analytical and Interpretation skill
  
  

Behavioral Skills

• Problem solving
• Communication
• Performance orientation
  
  

Competencies Required

• Leadership
• Consensus building
• Conflict Management
• Decision Making
• KEY INTERACTIONS
  
  

INTERNAL

EXTERNAL

• Product and marketing team
• Regional & National Ops, Credit, collection
• Audit, Vigilance, Admin & FCU team
• Branch Banking Team
• Legal & technical team
• External marketing agency
• Govt authorities
• Lead Banks
• State Level Bankers Committees
• State Govt Agencies/ Panchayats
  
  

PREPARED BY : Sourav Chakraborty

DATE : 22-08-2025

REVIEWED BY : Vicky Jain

DATE : 22-08-2025

LAST UPDATED BY : TM Team

DATE : 10-03-2026

This is Internal document.