Zonal Manager - Personal Loans

Role & responsibilities

Business Growth & Sales Management

• Drive Personal Loan business targets across the assigned zone.
• Develop and execute strategic sales plans to achieve monthly, quarterly, and annual business objectives.
• Monitor productivity and performance of Regional Managers, Area Managers, and sales teams.
• Ensure achievement of disbursement, revenue, and profitability targets.
• Identify new market opportunities and expand business presence across geographies.

Team Leadership & Capability Building

• Lead, coach, and mentor regional and area sales teams.
• Drive performance management through regular reviews and target tracking.
• Build a high-performance sales culture focused on customer acquisition and portfolio growth.
• Identify training needs and ensure capability enhancement of teams.

Channel & Partner Management

• Develop and manage relationships with DSAs, connectors, fintech partners, and other sourcing channels.
• Expand channel network to improve market penetration and customer acquisition.
• Monitor partner productivity and implement growth initiatives.

Portfolio Quality & Risk Management

• Ensure adherence to credit policies, underwriting guidelines, and regulatory requirements.
• Monitor delinquency trends, bounce rates, and portfolio quality metrics.
• Work closely with risk and collections teams to maintain healthy asset quality.
• Drive fraud prevention and compliance practices across the zone.

Operational Excellence

• Ensure seamless loan origination and disbursement processes.
• Improve turnaround time (TAT) for customer onboarding and loan processing.
• Coordinate with Operations, Credit, Risk, Product, and Marketing teams for effective execution.

Market Intelligence

• Track competitor activities, pricing trends, and market developments.
• Provide insights and recommendations for product enhancements and business growth.
• Analyze customer behavior and market potential to formulate actionable strategies.

Stakeholder Management

• Collaborate with internal stakeholders including Credit, Operations, Collections, HR, and Marketing.

Present periodic business reviews and performance updates to senior leadership.

Preferred candidate profile

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