State Head - Unsecured Business Loan (7-10 yrs)

About the Role:

- We are seeking a dynamic and experienced State Head to lead our Unsecured Business Loan business in [State Name].

- The ideal candidate will be responsible for driving growth, managing portfolio quality, and enhancing customer relationships.

- This role requires a strong understanding of the lending industry, a proven track record in team management, and a passion for delivering exceptional customer experiences.

Key Responsibilities:

Business Growth and Strategy:

- Develop and execute a comprehensive business plan to achieve growth targets for the state.

- Identify and capitalize on new business opportunities within the assigned territory.

- Build and maintain strong relationships with key stakeholders, including channel partners, distributors, and corporate clients.

- Analyze market trends and competitive landscapes to identify potential risks and opportunities.

Portfolio Management:

- Oversee the entire loan lifecycle, from origination to disbursement and collection.

- Implement effective risk management strategies to minimize credit losses and delinquencies.

- Monitor key portfolio metrics, such as disbursement, collection efficiency, and asset quality.

- Take timely corrective actions to address any portfolio-related issues.

Team Management and Development:

- Recruit, hire, and develop a high-performing team of sales and operations professionals.

- Provide leadership, guidance, and coaching to team members to enhance their skills and performance.

- Set clear performance expectations and monitor team performance against key metrics.

- Foster a positive and collaborative work environment.

Customer Relationship Management:

- Build and maintain strong relationships with customers to ensure long-term loyalty.

- Resolve customer queries and complaints promptly and efficiently.

- Identify opportunities for cross-selling and upselling to enhance customer value.

MIS and Reporting:

- Prepare and analyze regular MIS reports to track business performance.

- Identify trends and insights to inform strategic decision-making.

- Ensure timely and accurate reporting to the regional and national leadership.

Required Skills and Qualifications:

- MBA with 7-10 years of experience in the financial services industry.

- Proven track record in leading and managing large teams in the unsecured business loan segment.

- Deep understanding of the unsecured business loan product and its lifecycle.

- Strong analytical skills and ability to interpret financial data.

- Excellent communication and interpersonal skills.

- Proficiency in MS Office, especially Excel and PowerPoint.

- Experience in using CRM and loan origination systems.

- A strong understanding of regulatory guidelines and compliance requirements