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 new 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 solid 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

Skills: Data Analytics, Api Development, Agile Methodologies, Cloud Computing

Experience: 15.00-18.00 Years

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