Regional Business Head - Emerging

Quona Capital; Mumbai; On-site; INR 2,500,000 - 3,500,000; Full time

Job summary

Flourish Ventures is looking for a Regional Business Head for its Mumbai office. This role is pivotal in driving business growth across India’s emerging markets, focusing on operational excellence and customer-centric strategies. The ideal candidate will have 10–14 years of leadership experience in secured lending, strong P&L management, and a proven ability to build high-performing teams. The position requires an entrepreneurial mindset and excellent communication skills, with a willingness to travel extensively for market expansion.

Qualifications

• 10–14 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, Business Loans.

Responsibilities

• Deliver the business AOP and P&L for the region.
• Scale a robust network of full-service branches.
• Lead a team of Branch Heads and Customer acquisition managers.

Skills

Market & Domain Knowledge

Entrepreneurial mindset

Leadership

Excellent communication

Problem-solving

Education

Post graduation/MBA from Tier 1 or Tier 2 institutions

Job description

Regional Business Head - Emerging

Department: Sales- Secured Loans

Location: Mumbai

Role

This is a high-impact leadership role for an entrepreneurial business leader to drive profitable growth across India’s emerging markets. The regional Business Head will be responsible for building, scaling, and leading a high-performing branch cluster (5-6 branches) within a defined region. 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.

Key Responsibilities

Business Growth & P&L Ownership

• Deliver the business AOP, P&L for the region
• 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 4 to 6 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 3 to 6 Branch Heads, 25+ Branch Heads, and 25+ full time employees
• Recruit, coach, and build a high-performance team of Branch heads & Customer acquisition manager
• 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

• Post graduation/ MBA
• Preferably from Tier 1 or Tier 2 institutions

Experience & Functional Expertise

• 10–14 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, Business Loans, Working Capital Finance within MSME ecosystem
• 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 region
• Lead Micro Marketing activities and direct acquisition channels for high return on Investment (ROI) and consistent employees productivity