Role & responsibilities

Key Responsibilities

- Own the overall business performance and P&L; of the assigned region.
- Drive growth in loan disbursement, portfolio outstanding, customer acquisition, and branch productivity.
- Develop and execute regional business plans aligned with organizational objectives.
- Manage and monitor portfolio quality, PAR, collection efficiency, delinquency, and credit losses.
- Ensure adherence to credit policies, operational processes, internal controls, and regulatory requirements.
- Lead and mentor Area Managers, Branch Managers, and other regional teams.
- Identify opportunities for new branch openings, geographic expansion, and market penetration.
- Monitor branch-level performance through regular reviews and corrective action plans.
- Work closely with Credit, Risk, Collections, HR, Finance, and Operations teams to achieve regional objectives.
- Strengthen collection practices and ensure timely resolution of overdue and delinquent accounts.
- Ensure compliance with applicable RBI regulations, internal policies, KYC/AML requirements, and microfinance guidelines.
- Maintain strong relationships with customers, field teams, local stakeholders,



and other relevant partners.
- Drive employee productivity, capability building, succession planning, and retention across the region.
- Identify operational risks and implement appropriate mitigation measures.
- Prepare and present regional performance reports and business updates to senior management.

Candidate Profile

- Graduate/MBA/PGDM in Finance, Business Administration, or a related discipline preferred.
- 11-14 years of overall experience, with substantial experience in microfinance, NBFC, banking, or financial services.
- Strong experience in managing multiple branches/areas and large field teams.
- Proven track record in driving business growth while maintaining portfolio quality.
- Strong understanding of microfinance lending, group lending/JLG, credit, collections, and field operations.
- Good knowledge of regulatory and compliance requirements applicable to the microfinance sector.
- Solid analytical, leadership, negotiation, and decision-making skills.
- Willingness to travel extensively across the assigned region.

📌 Regional Head (Delhi)
🏢 Jana Small Finance Bank
📍 Delhi