Business Strategy and Growth - Develop and implement the overall strategy for the Micro Assets business.

- Achieve disbursement, portfolio outstanding (POS), and fee income targets.
- Expand the Micro Assets portfolio into new geographies and customer segments.
- Build strategic partnerships with NGOs, SHGs, and community-based organizations. Credit and Portfolio Management - Drive credit underwriting policies balancing growth and asset quality.
- Monitor portfolio quality (PAR, NPA, Write-off ratios) and take corrective actions.
- Implement early warning systems and collection strategies.
- Ensure credit risk is managed in line with the banks risk appetite framework. Product and Process Innovation - Develop current microfinance products tailored to customer needs.
- Continuously review and enhance customer onboarding, loan processing, and disbursement processes.
- Leverage technology to streamline operations and improve customer experience. Team Leadership and Capability Building - Lead a large team comprising regional, cluster, and branch-level micro-asset officers.
- Set performance KPIs, monitor productivity, and drive team engagement.




- Design and deliver capability-building programs to enhance field-force skills.

Regulatory

Compliance and Governance - Ensure strict adherence to RBI regulations on priority sector lending (PSL) and microfinance guidelines.

- Maintain strong governance practices, including credit audits and internal controls.
- Prepare for regulatory and statutory inspections.

Stakeholder

Management - Work closely with Credit Risk, Collections, Audit, Compliance, Operations, and Technology teams.

- Represent the Micro Assets vertical at internal governance committees and external forums.

Qualification

- Post-Graduate Degree in Management (MBA/PGDM) / Finance / Rural Management / Social Work.
- Preferably with certifications in Microfinance / Risk Management.

Experience

- Minimum 15-18 years of experience in financial services.
- At least 7-10 years in leadership roles managing microfinance or small-ticket retail lending (secured or unsecured).
- Experience in a Small Finance Bank / NBFC-MFI preferred

📌 Head Micro Assets (Thrissur)
🏢 ESAF Small Finance Bank (ESAF SFB)
📍 Thrissur