POSITION SUMMARY

The Regional Business Head is responsible for driving on-ground execution of business strategies and supporting the growth of the Rural Micro Enterprises portfolio within the assigned territory. The role involves managing field operations, enhancing productivity across branches and sub-BC outlets, and ensuring effective delivery of products such as Unsecured Loans, MSME Loans, and Micro LAP, while maintaining portfolio quality.

Vacancies and Location: Odisha, West Bengal, Jharkhand, Uttar Pradesh, Andhra Pradesh & Telangana, Karnataka

KEY RESPONSIBILITIES

Business Delivery & Growth

Drive regional business targets including disbursements, revenue, and portfolio growth

Identify opportunities to expand reach in underpenetrated markets

Ensure effective execution of business plans across branches

Sales & Distribution Management

Manage branch network and sub-BC channels across the region

Strengthen sourcing channels and improve conversion rates

Optimize resource deployment to maximize productivity

Team Leadership & People Management

Lead and manage Area Managers and Branch Managers

Drive performance culture and accountability across teams

Coach and develop teams to enhance productivity

Portfolio Quality & Risk Management

Monitor portfolio quality metrics such as PAR and delinquency





Drive collections efficiency and ensure recovery targets are met

Take proactive measures to control credit risk

Operational Excellence

Ensure adherence to processes, policies, and SOPs

Improve turnaround times and service delivery standards

Drive operational efficiency across branches

Execution of Strategy

Implement zonal and central strategies at regional level

Drive campaigns, product initiatives, and process rollouts

Provide feedback from the field to refine business strategies

Performance Monitoring & Reporting

Track daily and monthly KPIs through MIS

Conduct regular performance reviews with teams

Drive corrective actions for performance gaps

Compliance & Governance

Ensure adherence to regulatory and internal guidelines

Support audits and ensure timely closure of observations DESIRED PROFILE:

Qualifications and Skills

8+ years of experience in financial services / rural lending business

Post-Graduate Degree in Management (MBA/PGDM) / Finance / Rural Management / Social Work

Proven track record in loan originations, collections, and team leadership.

Solid people-management skills with experience in handling large field team and supervisors.

📌 Regional Business Head-Rural Micro Enterprises (Karnataka/Odisha/WB/Jharkhand/UP) (Bengaluru)
🏢 Bharat Financial Inclusion Limited (100% subsidiary of IndusInd Bank
📍 Bengaluru