Zonal Manager - Business Loans

Role & responsibilities

Business Development & Sales Management

• Drive Business Loan disbursement targets across the assigned zone.
• Develop and implement business strategies to achieve growth, profitability, and market share objectives.
• Manage end-to-end sales performance across multiple branches, regions, and sourcing channels.
• Identify new business opportunities within SME, MSME, self-employed, and emerging business segments.
• Ensure consistent achievement of monthly, quarterly, and annual business targets.

Team Leadership & Performance Management

• Lead and mentor Regional Managers, Area Sales Managers, and Business Loan sales teams.
• Establish a high-performance culture through regular reviews, coaching, and development initiatives.
• Monitor team productivity metrics and implement corrective action plans where required.
• Drive employee engagement, retention, and capability-building programs.

Channel Partner Management

• Build and strengthen relationships with DSAs, connectors, aggregators, fintech partners, and referral channels.
• Expand and optimize sourcing channels to maximize business acquisition.
• Track partner productivity and ensure channel profitability.
• Negotiate commercial agreements and drive partner engagement initiatives.

Portfolio Quality & Risk Oversight

• Ensure adherence to credit policies, underwriting standards, and regulatory requirements.
• Maintain healthy portfolio quality through close coordination with Credit and Risk teams.
• Monitor delinquency, early warning indicators, and portfolio performance.
• Drive risk awareness and ensure compliance across all sourcing and sales activities.

Stakeholder Management

• Collaborate closely with Credit, Operations, Collections, Product, Marketing, and HR teams.
• Resolve escalations and drive seamless customer onboarding and loan processing.
• Present business reviews, forecasts, and strategic recommendations to senior leadership.

Market Intelligence & Strategy

• Analyze market trends, competitor offerings, and customer requirements.
• Provide inputs for product enhancements, pricing strategies, and policy improvements.
• Identify high-potential markets and drive expansion initiatives.

Operational Excellence

• Improve turnaround time (TAT) and customer experience throughout the loan journey.
• Ensure strong process governance and adherence to operational controls.

Drive digitization and process efficiency initiatives across the zone.

Preferred candidate profile

• Graduate / Post Graduate with 15+ years of experience in NBFC/Banking with Retail Assets/Business Loans/Lending business.
• Should have experience in managing a region / zone.