Position: State Head – Business Loan (Direct Channel)

Job Purpose

To drive and scale the Business Loan portfolio across the assigned state by leading the Direct channel, building a high-performing sales team, expanding the customer base and delivering consistent business growth while maintaining portfolio quality.

Key Responsibilities

- Lead a team of Relationship Managers and drive achievement of business targets.
- Regularly engage with and RMs to improve productivity and business performance.
- Drive acquisition of new Business Loan customers and expand the state-level portfolio.
- Leverage digital capabilities to improve sourcing, conversion and overall sales productivity.
- Achieve and consistently exceed monthly business and disbursement targets.
- Monitor portfolio performance, asset quality and business metrics and take corrective actions.
- Drive cross-sell opportunities to increase customer value and overall revenue.
- Work closely with Product, Credit, Operations, IT,



BIU and Digital Marketing teams for seamless execution.
- Provide market intelligence and identify new customer segments, channels and business opportunities.
- Support Product teams in developing differentiated Business Loan offerings.
- Build, lead, coach and retain a high-performing sales team.
- Ensure strict adherence to bank policies, regulatory requirements and compliance standards.

Candidate Profile

- 10–15 years of experience in Business Loans, Lending or related BFSI.
- Strong experience in Business Loan sales through Branch/Direct channels.
- Proven experience in state/geography-level business ownership.
- Strong DSA network and channel-management experience.
- Experience managing large sales teams and achieving aggressive business targets.
- Solid understanding of lending products, market dynamics and digital sourcing.
- MBA/PGDM in Finance preferred.

📌 State Head Business Loans Direct Channel, Ahmedabad
🏢 Abacus Consultants
📍 Ahmedabad