JOB DESCRIPTION

Vertical Head – BC Lending & Portfolio Management

1. Position Details

Designation: Vertical Head – BC Lending & Portfolio Management
Department: Business / BC Operations
Location: Karnataka / Maharashtra / Goa
Reports to: CEO / Managing Director / Chief Business Officer
Team: Regional/State Heads, Area Managers, Branch Managers, Credit & Collection Teams and other BC Operations staff

2. Role Purpose

The Vertical Head will be responsible for the overall management, growth, profitability, quality and operational control of the Company's Business Correspondent (BC) lending portfolio across Karnataka, Maharashtra and Goa.

The portfolio currently covers Microfinance, Agriculture and MSME lending, undertaken in partnership with Small Finance Banks and a Private Sector Bank.

The incumbent will act as the principal business and operational leader for the BC vertical and will be responsible for achieving business targets while maintaining high standards of portfolio quality, collections, regulatory compliance, and customer service and partner-bank requirements.





The role requires solid experience in lending operations, particularly in microfinance and/or financial inclusion, along with an understanding of bank/NBFC BC arrangements.

3. Key Responsibilities

A. Business Growth & Strategy
- Develop and implement the overall business strategy for the BC vertical.
- Prepare annual and quarterly business plans covering sourcing, disbursement, portfolio growth, collections and profitability.
- Drive sustainable growth across Microfinance, Agriculture and MSME loan segments.
- Identify recent geographies, customer segments and business opportunities.
- Develop strategies for increasing productivity and improving branch-level economics.
- Ensure that business growth is aligned with the risk appetite and policies of the partner banks and the Company.
- Monitor achievement of business targets at State, Region, Area and Branch levels.

B. Partner Bank / BC Relation

📌 Vertical Head- Business Correspondent (Dharwad)
🏢 IDF FINANCIAL SERVICES
📍 Dharwad