Regional Director, Rural Microfinance

Bharat Financial Inclusion Limited (100% subsidiary of IndusInd Bank; Bengaluru; On-site; INR 2,400,000 - 4,000,000; Full time

Job summary

Bharat Financial Inclusion Limited, a 100% subsidiary of IndusInd Bank, invites applications for Regional Business Head to drive on-ground execution of business strategies for Rural Micro Enterprises across multiple states including Karnataka. The role oversees field operations, branch productivity, and delivery of unsecured loans, MSME loans, and Micro LAP, while maintaining portfolio quality.

The incumbent will lead Area Managers and Branch Managers, drive growth, optimize distribution

Qualifications

• 8+ years of experience in financial services or rural lending.
• Proven track record in loan originations, collections, and team leadership.
• Solid people management skills with experience in handling large field teams and supervisors.

Responsibilities

• Drive regional business targets including disbursements, revenue, and portfolio growth.
• Identify opportunities to expand reach in underpenetrated markets.
• Manage branch network and sub-BC channels across the region.
• Strengthen sourcing channels and improve conversion rates.
• Optimize resource deployment to maximize productivity.
• Lead and manage Area Managers and Branch Managers; drive performance culture.
• Monitor portfolio quality metrics and drive collections efficiency.
• Ensure adherence to processes, policies, and SOPs.

Skills

Loan origination

Collections

Team leadership

People management

Education

MBA/PGDM / Finance / Rural Management / Social Work

Job description

Position Summary

The Regional Business Head is responsible for driving on‑ground execution of business strategies and supporting the growth of the Rural Micro Enterprises portfolio within the assigned territory. The role involves managing field operations, enhancing productivity across branches and sub‑BC outlets, and ensuring effective delivery of products such as Unsecured Loans, MSME Loans, and Micro LAP, while maintaining portfolio quality.

Vacancies and Location

Odisha, West Bengal, Jharkhand, Uttar Pradesh, Andhra Pradesh & Telangana, Karnataka

Key Responsibilities

• Business Delivery & Growth
  
  
  
  • Drive regional business targets including disbursements, revenue, and portfolio growth
  
  
  • Identify opportunities to expand reach in underpenetrated markets
  
  
  • Ensure effective execution of business plans across branches
  
  
  
  


• Sales & Distribution Management
  
  
  
  • Manage branch network and sub‑BC channels across the region
  
  
  • Strengthen sourcing channels and improve conversion rates
  
  
  • Optimize resource deployment to maximize productivity
  
  
  
  


• Team Leadership & People Management
  
  
  
  • Lead and manage Area Managers and Branch Managers
  
  
  • Drive performance culture and accountability across teams
  
  
  • Coach and develop teams to enhance productivity
  
  
  
  


• Portfolio Quality & Risk Management
  
  
  
  • Monitor portfolio quality metrics such as PAR and delinquency
  
  
  • Drive collections efficiency and ensure recovery targets are met
  
  
  • Take proactive measures to control credit risk
  
  
  
  


• Operational Excellence
  
  
  
  • Ensure adherence to processes, policies, and SOPs
  
  
  • Improve turnaround times and service delivery standards
  
  
  • Drive operational efficiency across branches
  
  
  
  


• Execution of Strategy
  
  
  
  • Implement zonal and central strategies at regional level
  
  
  • Drive campaigns, product initiatives, and process rollouts
  
  
  • Provide feedback from the field to refine business strategies
  
  
  
  


• Performance Monitoring & Reporting
  
  
  
  • Track daily and monthly KPIs through MIS
  
  
  • Conduct regular performance reviews with teams
  
  
  • Drive corrective actions for performance gaps
  
  
  
  


• Compliance & Governance
  
  
  
  • Ensure adherence to regulatory and internal guidelines
  
  
  • Support audits and ensure timely closure of observations
  
  
  
  

Desired Profile & Qualifications

• 8+ years of experience in financial services / rural lending business


• PostGraduate Degree in Management (MBA/PGDM) / Finance / Rural Management / Social Work


• Proven track record in loan originations, collections, and team leadership


• Solid people management skills with experience in handling large field team and supervisors