Regional Business Head- Housing Loan (Microfinance)

Job Overview:

Regional Business Head for Housing Loans in Microfinance

Role & responsibilities

Key Responsibilities

• Strategic Planning:

  Develop and implement regional business plans and sales strategies to achieve targets for housing loan disbursement and revenue growth.

• Team Management & Leadership:

  Recruit, train, mentor, and manage a high-performing team of area/branch managers and field officers, fostering a culture of performance and compliance.

• Business Development & Sourcing:

  Oversee customer acquisition strategies, including building strong relationships with local stakeholders like real estate agents and builders, and developing robust sourcing channels (direct and indirect).

• Portfolio Quality & Risk Management:

  Monitor the loan portfolio performance, track and control delinquency rates (PAR/NPA), manage collections, and ensure the underwriting process adheres to established risk policies.

• Operations & Compliance:

  Ensure all regional operations, including loan processing, documentation, and disbursement, comply with internal policies and external regulatory requirements (e.g., RBI/NBFC guidelines).

• Market Analysis:

  Monitor market trends, competitor activities, and product acceptability in new areas to identify opportunities for expansion and provide strategic recommendations to senior management.

• Financial Management:

  Manage the regional budget, monitor key performance indicators (KPIs), and prepare and present regular reports on regional performance, financials, and forecasts.

Key Qualifications and Skills

• Education:

  A Bachelor's/Master's degree in Finance, Business Administration, or a related field is required, with an MBA or postgraduate qualification often preferred.

• Experience:

  Typically requires a minimum of 8-10 years of experience in the mortgage, home loan, or housing finance sector, with a proven track record in sales leadership and regional management.

• Leadership:

  Exceptional leadership, communication, interpersonal, and negotiation skills.

• Industry Knowledge:

  Deep understanding of affordable home loan products, microfinance principles, market dynamics, and the regulatory environment.

• Analytical Skills:

  Strong analytical and problem-solving abilities to assess market conditions, financial data, and manage risk.

Preferred candidate profile