Circle Manager

Job Title: Circle Manager JLG & Unsecured MSME Business Loans
Company: Digamber Capfin Limited
Job Location: Rajasthan / Haryana

Executive Summary: The Circle Manager will oversee and scale two core strategic portfolios: Joint Liability Group (JLG) microfinance and Unsecured MSME Business Loans. This role requires driving regional sales strategy, expanding geographic footprints, maintaining portfolio quality, and ensuring strict regulatory compliance.

Core Responsibilities:

1. Expand Market Footprint

• Identify high-potential districts for JLG penetration and Unsecured MSME market entry.
• Assess geographic opportunities to strategically launch new branch networks.
• Formulate circle-level expansion blueprints aligned with corporate growth targets.

2. Drive Business Performance

• Achieve budgeted volume, disbursement, and collection targets for both product lines.
• Implement distinct sales strategies for high-frequency JLG lending and cash-flow-based MSME underwriting.
• Track Regional and Area Managers to identify and plug operational efficiency gaps.

3. Manage Portfolio Quality & Risk

• Formulate region-specific credit risk strategies alongside Zonal and Business Heads.
• Deploy preventive and curative measures to maintain minimal Non-Performing Assets (NPAs).
• Monitor field activities to ensure zero dilution in group formation (JLG) and promoter verification (MSME).

4. Lead Compliance & Operations

• Enforce absolute adherence to DCL operational policies and RBI NBFC-MFI regulations.
• Conduct regular branch audits to verify documentation, loan utilization, and collection ethics.
• Standardize credit discipline across both center-meetings (JLG) and doorstep assessments (MSME).

5. Build Team Capabilities

• Coordinate with HR to manage recruitment, onboarding, and performance appraisals.
• Provide continuous training to field staff on cash-flow assessment and relationship management.
• Mentor Regional Managers to build a high-performing, motivated second-line leadership.

Job Requirements:

Experience & Qualifications:

• Education: Any Graduate or Post Graduate degree.
• Experience: 6 to 11 years of relevant experience in NBFCs, MFIs, BFSI, or Fintech entities.
• Domain Expertise: Proven track record of managing Microfinance (JLG) & Unsecured MSME retail asset products operations at a Regional level.

Core Skills:

• Age Limit: Minimum 28 years to maximum 40 years.
• Leadership: Dynamic, articulate, and hardworking professional with exceptional interpersonal skills.
• Technical Proficiency: Well-versed in MS Office (Excel, Word, PowerPoint) and familiar with digital lending platform.