Role & responsibilities

Business Growth & Sales Management

- Drive Personal Loan business targets across the assigned zone.
- Develop and execute strategic sales plans to achieve monthly, quarterly, and annual business objectives.
- Monitor productivity and performance of Regional Managers, Area Managers, and sales teams.
- Ensure achievement of disbursement, revenue, and profitability targets.
- Identify current market opportunities and expand business presence across geographies.

Team Leadership & Capability Building

- Lead, coach, and mentor regional and area sales teams.
- Drive performance management through regular reviews and target tracking.
- Build a high-performance sales culture focused on customer acquisition and portfolio growth.
- Identify training needs and ensure capability enhancement of teams.

Channel & Partner Management

- Develop and manage relationships with DSAs, connectors, fintech partners, and other sourcing channels.
- Expand channel network to improve market penetration and customer acquisition.
- Monitor partner productivity and implement growth initiatives.

Portfolio Quality & Risk Management

- Ensure adherence to credit policies, underwriting guidelines, and regulatory requirements.
- Monitor delinquency trends, bounce rates,



and portfolio quality metrics.
- Work closely with risk and collections teams to maintain healthy asset quality.
- Drive fraud prevention and compliance practices across the zone.

Operational Excellence

- Ensure seamless loan origination and disbursement processes.
- Improve turnaround time (TAT) for customer onboarding and loan processing.
- Coordinate with Operations, Credit, Risk, Product, and Marketing teams for effective execution.

Market Intelligence

- Track competitor activities, pricing trends, and market developments.
- Provide insights and recommendations for product enhancements and business growth.
- Analyze customer behavior and market potential to formulate actionable strategies.

Stakeholder Management

- Collaborate with internal stakeholders including Credit, Operations, Collections, HR, and Marketing.

Present periodic business reviews and performance updates to senior leadership.

Preferred candidate profile

- Graduate / Post Graduate with 15+ years of experience in NBFC/Banking with Retail Assets/Personal Loans/Lending business.
- Should have experience in managing a region / zone.

📌 Zonal Manager - Personal Loans (Chennai)
🏢 IHFL
📍 Chennai