Job Purpose
Full ownership of the vertical’s P&L; & to manage area, existing client base, execution & tracking of sourcing’s. Own end-to-end Portfolio management, relationship growth and ensuring portfolio hygiene through timely renewals, PDD compliance, and delinquency resolution.
Duties and Responsibilities
• Identify business focus and develop action plan to grow/ expand business for Small Business lending vertical and achieve set AOP targets.
• Drive business growth by identifying opportunities for customer acquisition, cross-selling, and upselling of products and services
• Portfolio Management: Build and manage a diversified lending portfolio, ensuring alignment with the company's lending norms and risk appetite.
• Credit Quality Assurance: Maintain a strong focus on credit quality by monitoring client accounts, identifying early warning signals, and taking appropriate actions to mitigate risks.
• Market Analysis: Track market developments, analyse trends, and provide strategic feedback to the management team.
• Stakeholder Coordination: Liasioning with credit/risk/ops for sourcing assessment and policy compliance.
• Team Development: Participate in recruitment, hire right talent and employee retention.
• Reporting and Compliance:



Ensure all activities comply with regulatory requirements and internal policies. Regularly report on progress and key metrics.
Key Decisions / Dimensions
• Expanding Geography/ Adding Manpower
• Product Introduction
• Growth to team. R&R;
• Exit Conversations|• Business growth
• Market penetration
• Attrition %
• Fee income and NTB acquisition applicable
Major Challenges
• Managing deliveries/performance Vs Management expectation (AOP)
• Scale & size - Market Development
• Ensuring credit quality
• Attracting right Talent /Hiring
Required Qualifications and Experience
a) Qualifications
• MBA Finance from a reputed institute
b) Work Experience
• Candidate needs to have overall experience of more than 10 years, of which a minimum of 5 years of experience in Business Banking role with Banks
• Handling a span of 5-6
• He must have exposure in lending to MSME clients
• Will be preferred candidates with exposure to Govt. backed MSME Schemes.
• Fair and ability to evaluate business opportunities.
• Relationship building and networking skills
• Robust communications and presentation skills
• Ability to get a given assignment/ job completed within the stipulated timeline

📌 Zonal Manager - Small Business Lending - Sales (Megapolis)
🏢 Bajaj Finance
📍 Megapolis