Designation: Assistant Regional Manager (ARM) / Regional Manager (RM) Department: Lending Business Reporting To: Business Head Role Purpose To drive business growth, profitability, portfolio quality, and market expansion across multiple branches for products including Personal Loans, Business Loans (Secured & Unsecured Business loan, Two-Wheeler Loans, Loan Against Property (LAP) Key Responsibilities Business Growth & Revenue • Achieve regional disbursement, revenue, and profitability targets. • Drive sourcing and acquisition of customers across all retail lending products. • Develop and implement market penetration strategies to increase business volumes. • Ensure achievement of branch-wise and region-wise sales targets. • Monitor product mix and improve yield across the portfolio. Team Management • Lead, mentor, and manage Branch Managers, Sales Executives, Team leaders, Area heads etc. • Drive team productivity through regular reviews, coaching, and field visits. • Identify manpower requirements and support recruitment efforts. • Build a high-performance culture within the region. Portfolio & Risk Management • Maintain portfolio quality within prescribed delinquency parameters. • Monitor DPD, PAR, and collection efficiency across branches. • Ensure adherence to underwriting and credit policies. • Coordinate with Risk and Collections teams to minimize portfolio losses. Branch Operations & Governance • Ensure compliance with company policies, regulatory guidelines, and audit requirements.



• Monitor TAT for customer acquisition, sanction, and disbursement. • Review branch operations and ensure process adherence. • Conduct regular branch visits and business reviews. Market Development • Identify new locations and business opportunities. • Analyze competitor activities and market trends. • Recommend product and pricing strategies to improve competitiveness. Customer Relationship Management • Build and maintain relationships with key customers and influencers. • Ensure prompt resolution of escalated customer grievances. • Improve customer experience and retention. Qualification • Graduate in any discipline. • MBA/PGDM preferred. Experience Assistant Regional Manager • 610 years of experience in NBFC/Banking/Retail Lending. • Minimum 2–3 years of team handling experience. Regional Manager • 8–12 years of experience in NBFC/Banking/Retail Lending. • Minimum 4–5 years of multi-branch and team handling experience. Desired Skills • Robust knowledge of Personal Loans, Business Loans, LAP, SME/MSME, and Two Wheeler Finance. • Sales and Business Development. • Team Leadership and People Management. • Credit Assessment and Risk Management. • Collection and Portfolio Management. • Market Expansion and Channel Development. • Negotiation and Relationship Management. • Strong analytical and MIS reporting skills. Role & responsibilities

Preferred candidate profile

📌 Assistant Regional Manager/ Regional Manager (Dhamtari)
🏢 Shri Ram Finance Corporation Raipur
📍 Dhamtari