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 recent 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.
Robust experience in Business Loan sales through Branch/Direct channels.
Proven experience in state/geography-level business ownership.
Solid DSA network and channel-management experience.
Experience managing large sales teams and achieving aggressive business targets.
Robust understanding of lending products, market dynamics and digital sourcing.
MBA/PGDM in Finance preferred.

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