South Zonal Head - Sales - Micro LAP

Company Overview:

FreechargeBiz, a subsidiary of Axis Bank, is a leading digital financial services platform in India. It provides a comprehensive suite of financial products, including payments and lending, catering to millions of users across the country. By leveraging advanced technology and a customer-centric approach, FreeCharge aims to simplify financial access and drive digital inclusion, operating at the intersection of fintech innovation and traditional banking stability.

Role Overview:

As the South Zonal Head for Secured Micro LAP (Loan Against Property) & MSME Loans, you will spearhead the strategic expansion and operational excellence of our secured lending portfolio across Tamil Nadu, Karnataka, and Telangana. You will lead a high-performing regional team, managing the end-to-end sales lifecycle while ensuring robust distribution network growth. This role involves close collaboration with cross-functional stakeholders including credit, risk, and operations teams to balance aggressive business growth with portfolio quality. You will be instrumental in shaping the regional sales strategy and driving market penetration in the micro-secured lending segment.

Key Responsibilities:

- Formulate and execute the regional sales strategy for Micro LAP products to achieve ambitious disbursement and revenue targets across the South zone.

- Build and manage a high-caliber distribution network, including direct sales teams and channel partners, to ensure consistent market reach and lead generation.

- Oversee the entire loan origination process, ensuring strict adherence to credit policies and regulatory compliance to maintain a healthy portfolio.

- Drive market intelligence initiatives to identify emerging opportunities and competitive threats, adjusting sales tactics to maintain a dominant market position.

- Mentor and lead regional managers and sales teams, fostering a culture of high performance, accountability, and professional development.

- Collaborate with the central product and risk teams to provide feedback on market requirements, contributing to the refinement of lending products and underwriting processes.

Required Skillset:

- Demonstrated expertise in managing large-scale secured lending operations, specifically within the LAP or MSME segment, with 8 - 15 years of relevant experience.

- Proven ability to design and implement effective sales strategies that drive business growth in competitive regional markets.

- Strong leadership capabilities with a track record of managing geographically dispersed teams and building high-performance sales cultures.

- Exceptional analytical skills to interpret portfolio data, identify trends, and make informed decisions regarding credit quality and sales performance.

- Excellent interpersonal and communication skills, essential for managing senior-level stakeholder relationships and negotiating with external partners.

- A postgraduate degree in Management or a related field from a premier institute is highly preferred.

- Ability to thrive in a fast-paced, hybrid work environment, demonstrating high levels of adaptability and ownership over regional business outcomes.