Regional Head

Role & responsibilities

Key Responsibilities

• Own the overall business performance and P&L of the assigned region.
• Drive growth in loan disbursement, portfolio outstanding, customer acquisition, and branch productivity.
• Develop and execute regional business plans aligned with organizational objectives.
• Manage and monitor portfolio quality, PAR, collection efficiency, delinquency, and credit losses.
• Ensure adherence to credit policies, operational processes, internal controls, and regulatory requirements.
• Lead and mentor Area Managers, Branch Managers, and other regional teams.
• Identify opportunities for new branch openings, geographic expansion, and market penetration.
• Monitor branch-level performance through regular reviews and corrective action plans.
• Work closely with Credit, Risk, Collections, HR, Finance, and Operations teams to achieve regional objectives.
• Strengthen collection practices and ensure timely resolution of overdue and delinquent accounts.
• Ensure compliance with applicable RBI regulations, internal policies, KYC/AML requirements, and microfinance guidelines.
• Maintain strong relationships with customers, field teams, local stakeholders, and other relevant partners.
• Drive employee productivity, capability building, succession planning, and retention across the region.
• Identify operational risks and implement appropriate mitigation measures.
• Prepare and present regional performance reports and business updates to senior management.

Candidate Profile

• Graduate/MBA/PGDM in Finance, Business Administration, or a related discipline preferred.
• 11-14 years of overall experience, with substantial experience in microfinance, NBFC, banking, or financial services.
• Strong experience in managing multiple branches/areas and large field teams.
• Proven track record in driving business growth while maintaining portfolio quality.
• Strong understanding of microfinance lending, group lending/JLG, credit, collections, and field operations.
• Good knowledge of regulatory and compliance requirements applicable to the microfinance sector.
• Strong analytical, leadership, negotiation, and decision-making skills.
• Willingness to travel extensively across the assigned region..