Designation: Assistant Regional Manager (ARM) / Regional Manager (RM) Department: Lending Business Reporting To: Business Head Role Purpose To drive business growth, profitability, portfolio quality, and market expansion across multiple branches for products including Personal Loans, Business Loans (Secured &

- Unsecured Business loan, Two-Wheeler Loans, Loan Against Property (LAP) Key Responsibilities Business Growth &
- Revenue • Achieve regional disbursement, revenue, and profitability targets.
- Drive sourcing and acquisition of customers across all retail lending products.
- Develop and implement market penetration strategies to increase business volumes.
- Ensure achievement of branch-wise and region-wise sales targets.
- Monitor product mix and improve yield across the portfolio. Team Management • Lead, mentor, and manage Branch Managers, Sales Executives, Team leaders, Area heads etc.
- Drive team productivity through regular reviews, coaching, and field visits.
- Identify manpower requirements and support recruitment efforts.
- Build a high-performance culture within the region. Portfolio &
- Risk Management • Maintain portfolio quality within prescribed delinquency parameters.
- Monitor DPD, PAR, and collection efficiency across branches.
- Ensure adherence to underwriting and credit policies.
- Coordinate with Risk and Collections teams to minimize portfolio losses.

Branch

Operations &

• Governance • Ensure compliance with company policies, regulatory guidelines,



and audit requirements.
- Monitor TAT for customer acquisition, sanction, and disbursement.
- Review branch operations and ensure process adherence.
- Conduct regular branch visits and business reviews.

Market

Development • Identify new locations and business opportunities.
- Analyze competitor activities and market trends.
- Recommend product and pricing strategies to improve competitiveness.

Customer Relationship

Management • Build and maintain relationships with key customers and influencers.
- Ensure prompt resolution of escalated customer grievances.
- Improve customer experience and retention. Qualification • Graduate in any discipline.
- MBA/PGDM preferred.

Experience Assistant Regional Manager • 610 years of experience in NBFC/Banking/Retail Lending.

- Minimum 2–3 years of team handling experience.

Regional

Manager • 8–12 years of experience in NBFC/Banking/Retail Lending.
- Minimum 4–5 years of multi-branch and team handling experience.

Desired

Skills • Strong knowledge of Personal Loans, Business Loans, LAP, SME/MSME, and Two Wheeler Finance.
- Sales and Business Development.
- Team Leadership and People Management.
- Credit Assessment and Risk Management.
- Collection and Portfolio Management.
- Market Expansion and Channel Development.
- Negotiation and Relationship Management.
- Robust analytical and MIS reporting skills. Role & responsibilities

Preferred candidate profile

📌 Assistant Regional Manager/ Regional Manager (Dhamtari)
🏢 Shri Ram Finance Corporation Raipur
📍 Dhamtari