Role & responsibilities -

1. Business Growth & Revenue Management

- Drive achievement of zonal business targets across products such as LAP, Micro LAP, Business Loans.
- Develop and execute zonal-level business strategies to ensure sustainable growth and market penetration
- Monitor sales performance against targets and take corrective actions for underperforming regions

2. Team Leadership & People Management

- Lead, manage, and mentor a multi-layered team comprising Area Managers, Branch Managers, Sales Executives and channel partners
- Drive team productivity, efficiency, and performance through structured reviews and training interventions.
- Ensure strong employee engagement, retention, and career development across the zone.
- Build a high-performance culture with clear accountability and ownership.

3. Credit, Operations & Process Excellence

- Collaborate closely with Credit and Operations teams to ensure smooth processing and disbursement within defined TAT
- Ensure adherence to underwriting guidelines, policies, and compliance frameworks
- Drive process improvements for efficiency, turnaround time, and customer experience
- Minimize disbursal discrepancies and improve operational accuracy

4. Portfolio & Collections Management

- Own the quality of the portfolio by controlling delinquencies and ensuring strong collections performance
- Monitor early warning signals and implement corrective strategies to mitigate risk




- Drive disciplined collections practices to ensure minimal NPAs and healthy portfolio quality

5. Profitability & P&L; Ownership

- Own zonal P&L;, ensuring optimal cost-to-income ratio
- Monitor profitability of branches and business units and implement cost-efficiency measures
- Drive branch-level profitability and ensure sustainable financial performance

6. Compliance, Audit & Governance

- Ensure strict adherence to regulatory, audit, and compliance standards
- Maintain high audit ratings through disciplined execution of policies and procedures
- Implement governance mechanisms to minimize operational and financial risks

7. Customer Experience & Market Development

- Ensure superior customer experience through efficient service delivery and quick resolution of issues
- Strengthen brand presence in the assigned geography
- Identify new market opportunities and expand business footprint

Preferred candidate profile

- Proven experience in managing large geographies and multi-product lending.
- Strong background in sales, collections, and branch/cluster/zonal management
- Excellent leadership, strategic thinking, and problem-solving skills
- Strong understanding of credit, risk, and compliance frameworks
- 15+ years of experience in NBFC/BFSI sector with leadership roles at Area/Cluster/Zonal level
- Robust track record of promotions, performance awards, and target achievements

📌 Zonal Head Business (Madurai)
🏢 Vistaar Finance
📍 Madurai