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 prospects 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