Circle Business Head - Secured Loan - Maharashtra

Position: Circle Business Head Secured Loan

Level:

Role Overview

Circle Business Head

This profile give opportunity to drive meaningful impact, scale secured lending operations, and shape the financial ecosystem in India's non-metro regions.

Responsibilities

Business Growth & P&L Ownership

• Own and deliver circle-level P&L, AOP targets, ROA, and ROE
• Drive business growth across secured lending products (LAP, Home Loans, Secured Business Loans, Working Capital Finance)
• Boost revenue through renewals, balance transfers, cross-selling, and top-ups
• Leverage local insights and competition mapping to define growth strategies
  

Branch Network Expansion & Distribution

• Expand and manage a network of 25+ full-service branches
• Finalize branch locations, manage lease agreements, and oversee setup
• Drive local sourcing through events, exhibitions, roadshows, and MSME outreach
  

Leadership & Team Development

• Lead a team of 46 Regional Business Heads, 25+ Branch Managers, and 75100 team members
• Recruit, mentor, and build leadership capability across levels
• Promote a performance-driven culture focused on customer experience and compliance
  

Compliance, Risk & Operational Excellence

• Ensure strong compliance with regulatory guidelines, audits, and internal processes
• Monitor TATs, cost efficiency, recovery rates, and sourcing quality
• Manage local regulatory adherence, property laws, and repossession protocols
  

Market Intelligence & Partnerships

• Build relationships with local authorities, legal networks, and fraud control agencies
• Use market knowledge to identify new growth areas and manage risks
• Stay updated on industry trends, customer behavior, and competitor activity
  

Experience

• 14–18 years of leadership experience in Banking or NBFCs
• Hands-on P&L management and multi-location team handling
• Expertise in secured lending: LAP, HL, Working Capital, Secured BL
• Strong experience in both sales and collections in MSME/B2B/B2C segments
  

Market Knowledge

• Good understanding of regional markets and customer needs
• Familiarity with audit, compliance, risk, and regulatory processes
• Ability to manage local stakeholders including legal bodies and regulators
  

Leadership Traits

• Proven ability to build and scale distribution networks
• Experience in leading large, diverse teams across geographies
• Entrepreneurial mindset with a strong focus on results and execution
  

Personal Attributes

• High integrity, strong business acumen, and result orientation
• Excellent communication and interpersonal skills
• Willingness to travel extensively within the assigned region
  

Interested?