department: sales- secured loans
role:
branch head
this is a high-impact leadership role for an entrepreneurial business leader to drive profitable
growth across indias emerging markets. the branch head will be responsible for
building, scaling, and leading a high-performing branch network (10+ branches) within a defined
state. with a sharp focus on customer centricity, operational excellence, and regulatory
compliance, this role is central to expanding our reach in non-metro cities and economic hubs.
responsibilities:
business growth & p&l ownership
own and exceed the states aop, p&l, roa, and roe targets
drive rapid and sustainable growth across secured lending products
maximize revenue through cross-sell, renewals, top-ups, and balance transfers
use competitive intelligence and local market insights to shape business strategy
distribution & network expansion
scale a robust network of 10+ full-service branches in the assigned region
identify branch locations, manage lease closures, and oversee setup
drive direct sourcing via customer events, exhibitions, loan melas, msme conclaves, roadshows,
and local merchant connects
.
team leadership & capability building
lead a span of cams across 10+ branch heads.
recruit, coach, and build a high-performance leadership pipeline across roles
foster a culture of ownership, agility, compliance, and customer-first execution
risk, compliance & operational excellence
ensure regulatory adherence, internal audit readiness, and governance excellence
oversee cost control, tats, sourcing quality, recoveries, and risk containment
ensure compliance with municipal laws, property regulations, collateral management, litigation,
and repossession protocols
market intelligence & strategic partnerships
build strong networks with local bodies, legal institutions, and fraud prevention agencies
leverage local intelligence to identify new business triggers and mitigate risks
stay ahead of trends in industries, customer behaviours, and competitor movements
qualification & experience:
educational background
chartered accountant or masters in business management
preferably from tier 1 or tier 2 institutions
branch head
experience & functional expertise
7+ years of progressive leadership experience in banks or nbfcs
proven p&l ownership and multi-location team leadership experience
deep expertise in secured lending products: lap, home loans, secured business loans, working
capital finance
strong track record in both sales and collections within msme, b2b, and b2c segments
key skills & competencies:
market & domain knowledge
strong understanding of regional markets, customer segments, and business ecosystems
familiarity with compliance, audit, risk frameworks, and regulatory landscape
ability to engage with local bodies, legal entities, fraud control, and governance infrastructure
attributes
demonstrated success in building large-scale distribution networks in emerging markets
experience in hiring, developing, and managing high performing, geographically spread teams
entrepreneurial mindset with a hands-on approach to problem-solving and execution
personal attributes & mobility
high integrity, result orientation, and strong business acumen
excellent communication and relationship-building skills
willingness to travel extensively across the assigned states