Regional Head

Role & responsibilities -
1. Business Growth & Revenue Management

• Drive achievement of zonal business targets across products such as LAP, Micro LAP, Business Loans.
• Develop and execute zonal-level business strategies to ensure sustainable growth and market penetration
• Monitor sales performance against targets and take corrective actions for underperforming regions

2. Team Leadership & People Management

• Lead, manage, and mentor a multi-layered team comprising Area Managers, Branch Managers, Sales Executives and channel partners
• Drive team productivity, efficiency, and performance through structured reviews and training interventions.
• Ensure strong employee engagement, retention, and career development across the zone.
• Build a high-performance culture with clear accountability and ownership.

3. Credit, Operations & Process Excellence

• Collaborate closely with Credit and Operations teams to ensure smooth processing and disbursement within defined TAT
• Ensure adherence to underwriting guidelines, policies, and compliance frameworks
• Drive process improvements for efficiency, turnaround time, and customer experience
• Minimize disbursal discrepancies and improve operational accuracy

4. Portfolio & Collections Management

• Own the quality of the portfolio by controlling delinquencies and ensuring strong collections performance
• Monitor early warning signals and implement corrective strategies to mitigate risk
• Drive disciplined collections practices to ensure minimal NPAs and healthy portfolio quality

5. Profitability & P&L Ownership

• Own Regional P&L, ensuring optimal cost-to-income ratio
• Monitor profitability of branches and business units and implement cost-efficiency measures
• Drive branch-level profitability and ensure sustainable financial performance

6. Compliance, Audit & Governance

• Ensure strict adherence to regulatory, audit, and compliance standards
• Maintain high audit ratings through disciplined execution of policies and procedures
• Implement governance mechanisms to minimize operational and financial risks

7. Customer Experience & Market Development

• Ensure superior customer experience through efficient service delivery and quick resolution of issues
• Strengthen brand presence in the assigned geography
• Identify new market opportunities and expand business footprint

Preferred candidate profile

• Proven experience in managing large geographies and multi-product lending.
• Strong background in sales, collections, and branch/cluster/zonal management
• Excellent leadership, strategic thinking, and problem-solving skills
• Strong understanding of credit, risk, and compliance frameworks
• 8+ years of experience in NBFC/BFSI sector with leadership roles at Branch manager / Area/Cluster level

Managerial Responsibilities

Manage sales through CBM to ensure we hit our targeted business number for FY.

Manage collection through Cluster Business Manager/Collection Managers/State Legal Manager/CROs to keep delinquency at targeted levels.

Hire right candidates/train & motivate them to achieve the state goals. Control attrition by retaining high potential employees. Training and handholding the employees with specific emphasis on struggling ones and move them to the desired performance level.

Recruiting handholding and coaching new team members as and when required while working in sync with existing team members, helping guiding and monitoring them on regular basis.

Manage credit decision process (state credit committee) and oversee the decisions at the cluster and branch levels periodically.

Functional Responsibilities

Ensure daily business /collection activity is happening as per plan. Plan and Execute Marketing activities across the state to enhance the

Vistaar Brand & increase our Market share/Penetration.

Periodically review on key business goals ; for e g Product level Log-in reviews/ Collection accounts & NPA accounts review

Responsible for identifying the improvement areas in existing team and handholding them

Keeping the focus on overall profitability by keeping the portfolio growing as desired by the management while keeping the quality of portfolio healthy.

Ensure branch adhere to audit /HR/Govt related compliance.

Ensure discipline/integrity is maintained & propagated by team members in all our activity

Plan for correction /expansion of business basis business potential/customer repayment behavior. Recommend Product enhancements/ new product suite based on Market response and needs.