Role & responsibilities

- Drive end-to-end business performance across up to 10 branches, ensuring achievement of sales, disbursement, and collection targets.
- Build, scale, and manage the Micro Loan Against Property (LAP - Secured) portfolio with ticket sizes up to 10 Lakhs.
- Conduct regular branch visits (extensive travel required) to monitor performance, identify gaps, and implement corrective actions.
- Ensure high productivity levels across branches by tracking KPIs, driving accountability, and improving efficiency.
- Oversee and strengthen collections performance, ensuring portfolio quality and minimizing delinquencies.
- Lead and manage Branch Managers, Sales Managers, and DST teams, ensuring alignment with business goals.
- Own and drive state-level P&L;, ensuring sustainable profitability and cost optimization.
- Manage and expand DSA/Connector/Open Market channels to enhance sourcing and market penetration.
- Ensure smooth file processing from login to disbursement, coordinating closely with Credit and Operations teams.




- Drive customer engagement, satisfaction, and retention through consistent service quality across branches.
- Identify new market opportunities and expand the LAP customer base within the assigned geography.
- Plan and execute localized marketing and promotional activities to boost visibility and lead generation.
- Implement solid governance, compliance, and audit controls across all branches.

Preferred candidate profile

- Proven experience in handling multi-branch operations (810 branches preferred) in NBFC/BFSI.
- Strong exposure to secured lending (LAP preferred).
- Willingness for extensive travel within the state.
- Strong leadership, analytical, and stakeholder management skills.
- Track record of delivering business growth and collection efficiency.

Interested candidates should share your profile at [email protected] / (phone hidden)

📌 State Head (Ernakulam)
🏢 Kissht
📍 Ernakulam