Regional Manager

Role & responsibilities

Job Description Regional Manager

Position: Regional Manager
Industry: NBFC / Financial Services
Department: Business / Sales
Reporting To: Zonal Head / National Business Head
Location: [City/Region]
Experience: 15+ years in NBFC / Banking / Financial Services

Position Overview

We are looking for an experienced and result-oriented Regional Manager with strong leadership experience in the NBFC/financial services sector. The ideal candidate should have previously handled responsibilities as a Business Head, Regional Head, or equivalent senior business leadership role, with proven expertise in driving revenue, managing large teams, expanding market presence, and delivering business profitability.

The candidate will be responsible for managing the overall business performance of the assigned region, including sales growth, portfolio expansion, collections, branch productivity, customer acquisition, team development, and adherence to risk and compliance standards.

Key Responsibilities

Business & Revenue Growth

• Drive overall business growth and profitability across the assigned region.
• Develop and execute regional business plans aligned with organizational objectives.
• Achieve targets for disbursement, AUM/portfolio growth, revenue, customer acquisition, and profitability.
• Identify new markets, products, customer segments, and business opportunities.
• Monitor branch and area-level performance and implement corrective action where required.
• Develop strategies to increase market share and strengthen the company's presence in the region.

Team & Leadership

• Lead, mentor, and manage Regional/Area/Branch teams to achieve business objectives.
• Build a high-performance sales and operations culture across the region.
• Set clear targets and KPIs for teams and conduct regular performance reviews.
• Identify training and development requirements and strengthen the leadership pipeline.
• Drive employee engagement, retention, and succession planning.

Portfolio & Credit Management

• Ensure healthy portfolio growth while maintaining strong asset quality.
• Work closely with Credit, Risk, Collections, and Operations teams to maintain portfolio quality.
• Monitor delinquency, NPA, collection efficiency, and other portfolio-related metrics.
• Ensure adherence to the company's credit policies, risk framework, and underwriting guidelines.
• Take appropriate corrective measures in markets/branches showing deterioration in portfolio quality.

Branch & Market Expansion

• Evaluate and identify potential markets for branch expansion and business growth.
• Improve productivity and profitability of existing branches.
• Strengthen relationships with channel partners, DSAs, dealers, brokers, corporates, and other business stakeholders.
• Build strong local market intelligence and competitive insights.

Operations, Compliance & Governance

• Ensure effective implementation of company policies and processes across the region.
• Maintain high standards of operational discipline, compliance, and governance.
• Coordinate with internal functions to ensure smooth business operations.
• Ensure audit observations and regulatory requirements are addressed within defined timelines.
• Promote a strong culture of ethical selling and customer-centricity.

Key Performance Indicators (KPIs)

• Regional disbursement / business volume
• Portfolio / AUM growth
• Revenue and profitability
• New customer acquisition
• Branch productivity
• Collection efficiency
• DPD / delinquency / NPA levels
• Customer retention
• Team productivity and employee retention
• Market expansion and branch performance
• Compliance and audit performance

Candidate Profile

• Graduate/Postgraduate degree in Business Administration, Finance, Commerce, Economics, or a related discipline.
• 15+ years of experience in NBFC, banking, lending, consumer finance, MSME, LAP, vehicle finance, housing finance, or related financial services.
• Prior experience as Business Head, Regional Head, Zonal Head, Area Head, or equivalent senior leadership position preferred.
• Strong understanding of lending products, sales, credit, collections, and branch operations.
• Proven track record of managing large teams and sizeable business portfolios.
• Strong commercial and P&L orientation.
• Excellent leadership, communication, negotiation, and stakeholder-management skills.
• Strong understanding of regional markets and customer segments.
• Willingness to travel extensively across the assigned region.

Preferred Experience

Candidates who have handled end-to-end regional/business P&L responsibility and have successfully scaled business across multiple branches/locations will be preferred.

Experience in retail lending, MSME, SME, LAP, business loans, vehicle finance, consumer finance, affordable housing finance, or other secured/unsecured lending businesses would be an advantage.

Key Competencies

• Strategic Business Leadership
• P&L Management
• Sales & Revenue Growth
• Team Leadership
• Portfolio Management
• Credit & Risk Awareness
• Collections Management
• Market Expansion
• Stakeholder Management
• Analytical & Decision-Making Skills
• Execution Excellence
• Customer Centricity

Preferred candidate profile

Interested can share across your profile to my email id [email removed] / [phone removed]