JOB ROLE: State Head

Location: Regional Cluster, Rajasthan | Team: Growth | Reports To: General Manager

About Refyne

Refyne is building the financial infrastructure of Bharat's workforce.

What began as an earned wage access solution for India's largest employers has grown into a full-spectrum financial platform spanning lending, insurance, savings and wealth. Refyne is trusted by some of the country's most valuable companies to power the financial lives of their people.

Today, Refyne has partnered with over 600+ top enterprises to bring fair, timely and responsible financial services to more than 10 million employees across India, helping employers drive a 90%+ employee retention rate.

One platform. Every employer. Bharat's entire workforce.

As India's economy scales, Refyne is building the foundational layer that lets every employee, across every workplace, access financial security with ease, convenience and dignity.

About the Role

At Refyne, field distribution isn't just about driving sales numbers—it's about building institutional trust at every doorstep.

As the State Head – Rajasthan, you will be the single business leader and P&L; owner for the state. You will drive state-wide market penetration, lead multi-tiered distribution teams (Area Sales Managers, City Heads, and Agency Managers), orchestrate institutional government relationships, and oversee large-scale DSA/broker networks.

You will translate corporate growth targets into ground-level execution, scaling loan disbursal volumes, optimizing acquisition unit economics, and positioning Refyne as the default financial partner for Rajasthan's public and private workforce.

How You'll Make an Impact

Strategic Leadership & P&L; Ownership

- Own the entire state-level P&L;, driving monthly and annual disbursal targets, customer acquisition costs (CAC), and portfolio health.
- Formulate data-driven market entry, expansion, and saturation strategies across key administrative divisions and district clusters in Rajasthan (Jaipur, Jodhpur, Kota, Udaipur, Bikaner, Ajmer, Bharatpur, etc.).
- Lead, mentor, and scale a multi-tier field sales hierarchy (Regional Managers, ASMs, FLS), establishing high-performance benchmarks and accountability.

Institutional Government Relations & State-Level Alliances
- Interface directly with key state-level secretariats, Directorates, Head of Departments (HoDs), and Treasury/Finance officials to unlock institutional endorsements and access.




- Scale a state-wide ecosystem of departmental trust anchors—mobilizing Drawing and Disbursing Officers (DDOs), Treasury/Sub-Treasury Accountants, and state employee union representatives.
- Establish formal access channels into state departments, municipal corporations, public educational boards/universities, police departments, DISCOMs, and state PSUs.

Enterprise Channel Architecture & DSA Governance
- Architect, recruit, and manage an extensive network of Tier-1 and Tier-2 Direct Sales Agents (DSAs), regional financial brokers, and corporate agency partners across Rajasthan.
- Drive distribution productivity through structured incentive models, digital sales enablement tools, and partner engagement programs.
- Safeguard institutional reputation by enforcing stringent risk controls, KYC compliances, and zero-tolerance policies regarding mis-selling.

Competitive Positioning & Portfolio Growth
- Spearhead regional product penetration campaigns, including high-impact balance transfer and "Switch Strategies" to transition government employees from predatory, high-cost local lenders and cooperative societies to Refyne’s transparent credit products.
- Work closely with central Risk, Underwriting, and Product teams to align localized credit policies with Rajasthan civil servant demographic profiles and payroll structures (e.g., IFMS/PayManager workflows).
- Oversee the end-to-end regional conversion funnel, identifying drop-off bottlenecks between digital onboarding, assisted journey completion, and credit disbursal.

What Makes You a Outstanding Fit
1. 7+ years of structured lending experience in Banks, large NBFCs, or top-tier Fintechs, with at least 3–5 years leading large regional/state sales operations in Unsecured Personal Loans (PL), Salaried Lending, or Government Segment Lending.
2. Deep understanding of the administrative, departmental, and bureaucratic landscape of Rajasthan; established credibility navigating DDOs, government employee associations, and state institutional mechanisms.
3. Proven track record of building and managing multi-layered DSA networks and third-party distribution channels delivering high-velocity monthly disbursal scale (₹30Cr–₹50Cr+).
4.



Demonstrated success in managing large, dispersed teams of 30+ field managers and feet-on-street executives across broad geographical territories.
5. High proficiency in funnel analytics, unit economics, cohort performance, and executive stakeholder management.
6. Willingness to travel extensively across key district clusters and regional divisions throughout Rajasthan.

What You'll Be Part Of The Team

You’ll be part of a high-conforming growth team that values ownership, field agility, and rapid execution, working alongside regional leaders to expand Refyne's reach.

The Platform

You will champion the distribution of Refyne’s flagship lending solutions—bringing affordable, transparent credit options directly to the government workforce.

Perks at Refyne

Access your salary, on your terms. Use the Refyne app to withdraw your earned salary whenever you need it.

Comprehensive health coverage. Medical insurance for you and your loved ones, because your wellbeing comes first.

Meaningful ownership from day one. Work in a flat organization where your ideas are heard and your contributions have real impact.

Learn by building. Collaborate with experienced leaders in a culture that values quality, curiosity and continuous learning.

Fuel for your best work. Enjoy complimentary breakfast, lunch and snacks at the office.

Why Join Refyne?

The companies driving India's growth understand that financially secure employees build stronger organisations and stronger economies. Refyne exists at that intersection: a single, trusted infrastructure that employers plug into and employees rely on, without friction or fragmentation.

Our solution helps workers cleanly bypass predatory debt traps to build real financial resilience, rather than simply pointing them toward financial products and stepping back. It's the financial backbone behind India Inc, built with the same permanence and scale as the roads and utilities that move the country forward.

That ambition is backed by results: Refyne is growing at a rapid 4x year-on-year pace, is already profitable and ranks globally as the second-largest player by revenue in our space. The company is also backed by $106 million from top global investors including Tiger Global, DST Global and ICICI Bank. For employers, that means a partner with the credibility, scale and staying power to be trusted at the infrastructure level.

For employees, it means one platform that grows with every stage of their financial life.

📌 State Head - Government Sales - Rajasthan
🏢 Refyne India
📍 Rajasthan