Zonal Business Head - Individual Loans (PSS07738)

About the client: PSS

Zonal Business Head - Individual Loans

Job Purpose

Key Responsibilities

• Drive growth in individual loan products, identify new business opportunities and geographies, and execute business plans to meet zonal disbursement and revenue targets.
• Lead, mentor, and build high-performance teams including Regional Managers, Area Managers, and field staff. Ensure robust hiring, training, performance management, and create a strong sales culture.
• Oversee portfolio performance, ensure high-quality sourcing and underwriting, minimize delinquency, and coordinate with credit and collections for effective risk management.
• Manage the end-to-end loan lifecycle – from lead generation and credit assessment to disbursement and servicing. Maintain productivity benchmarks and drive digitization in loan operations.
• Ensure adherence to regulatory norms, internal policies, and audit guidelines. Implement checks and controls to minimize risks and address compliance gaps proactively.
• Track competitor activities, market trends, and customer needs. Provide regular business updates and insights to senior management. Leverage MIS and analytics for informed decision-making.
  

Educational Qualifications And Experience

• Master’s degree (MBA preferred) in Business Administration, Finance, or related field.
• Minimum 20+ years of overall experience in retail/individual lending, with at least 5+ years in zonal/regional leadership roles in NBFCs or banks..
• Strong expertise in individual loan products and lending operations.
• Strong proficiency in English, Tamil (mandatory)
• Proven leadership, people management, and strategic execution skills
• Strong financial acumen, communication, negotiation, and analytical skills.
• Proficiency in CRM and loan management systems