Role & responsibilities

Business Development & Sales Management

- Drive Business Loan disbursement targets across the assigned zone.
- Develop and implement business strategies to achieve growth, profitability, and market share objectives.
- Manage end-to-end sales performance across multiple branches, regions, and sourcing channels.
- Identify new business opportunities within SME, MSME, self-employed, and emerging business segments.
- Ensure consistent achievement of monthly, quarterly, and annual business targets.

Team Leadership & Performance Management

- Lead and mentor Regional Managers, Area Sales Managers, and Business Loan sales teams.
- Establish a high-performance culture through regular reviews, coaching, and development initiatives.
- Monitor team productivity metrics and implement corrective action plans where required.
- Drive employee engagement, retention, and capability-building programs.

Channel Partner Management

- Build and strengthen relationships with DSAs, connectors, aggregators, fintech partners, and referral channels.
- Expand and optimize sourcing channels to maximize business acquisition.
- Track partner productivity and ensure channel profitability.
- Negotiate commercial agreements and drive partner engagement initiatives.

Portfolio Quality & Risk Oversight

- Ensure adherence to credit policies, underwriting standards,



and regulatory requirements.
- Maintain healthy portfolio quality through close coordination with Credit and Risk teams.
- Monitor delinquency, early warning indicators, and portfolio performance.
- Drive risk awareness and ensure compliance across all sourcing and sales activities.

Stakeholder Management

- Collaborate closely with Credit, Operations, Collections, Product, Marketing, and HR teams.
- Resolve escalations and drive seamless customer onboarding and loan processing.
- Present business reviews, forecasts, and strategic recommendations to senior leadership.

Market Intelligence & Strategy

- Analyze market trends, competitor offerings, and customer requirements.
- Provide inputs for product enhancements, pricing strategies, and policy improvements.
- Identify high-potential markets and drive expansion initiatives.

Operational Excellence

- Improve turnaround time (TAT) and customer experience throughout the loan journey.
- Ensure solid process governance and adherence to operational controls.

Drive digitization and process efficiency initiatives across the zone.

Preferred candidate profile

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

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