Head Micro Assets

Role Overview: You will be the Business Development Team Leader with expertise in lending, group loans, portfolio analysis, microbanking, and microfinance operations & business development. Your primary responsibility is to lead and manage the Micro Assets business across the bank's operational geographies. Your focus will be on driving sustainable and profitable growth, ensuring asset quality, developing scalable models, and deepening financial inclusion in alignment with the bank's mission. Key Responsibilities: - Develop and implement the overall strategy for the Micro Assets business, with a focus on achieving disbursement, portfolio outstanding (POS), and fee income targets. - Expand the Micro Assets portfolio into new geographies and customer segments while building strategic partnerships with NGOs, SHGs, and community-based organizations. - Drive credit underwriting policies to balance growth and asset quality, monitor portfolio quality through key metrics, implement early warning systems, collection strategies, and manage credit risk within the bank's risk appetite framework. - Develop new microfinance products tailored to customer needs, enhance customer onboarding, loan processing, and disbursement processes, and leverage technology to streamline operations and improve customer experience. - Lead a large team of regional, cluster, and branch-level micro-asset officers, set performance KPIs, monitor productivity, drive team engagement, and design capability-building programs to enhance field-force skills. - Ensure regulatory compliance and governance by adhering to RBI regulations on priority sector lending (PSL) and microfinance guidelines, maintain strong governance practices, including credit audits, internal controls, and preparing for regulatory and statutory inspections. - Work closely with Credit Risk, Collections, Audit, Compliance, Operations, and Technology teams, represent the Micro Assets vertical at internal governance committees and external forums to ensure effective communication and collaboration. Qualification Required: - Post-Graduate Degree in Management (MBA/PGDM) / Finance / Rural Management / Social Work. - Preferably with certifications in Microfinance / Risk Management. Additional Details: N/A,