Regional Head

Jana Small Finance Bank Limited; Indore District; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

Jana Small Finance Bank Limited is seeking a regional head to drive P&L and business growth across the assigned region in India. You will lead multiple branches and large field teams, ensuring regulatory compliance and strong credit practices while pursuing market expansion.

The role requires 11–14 years in microfinance or related sectors, with a proven track record of scaling operations and maintaining portfolio quality. Travel across the region is expected.

Qualifications

• 11-14 years of overall experience in microfinance, NBFC, banking, or financial services.
• Strong experience in managing multiple branches/areas and large field teams.
• Proven track record in driving business growth while maintaining portfolio quality.
• Strong understanding of microfinance lending, group lending/JLG, credit, collections, and field operations.
• Good knowledge of regulatory and compliance requirements in microfinance.

Responsibilities

• Own the overall business performance and P&L of the assigned region.
• Drive growth in loan disbursement, portfolio outstanding, customer acquisition, and branch productivity.
• Develop and execute regional business plans aligned with organizational objectives.
• Manage and monitor portfolio quality, PAR, collection efficiency, delinquency, and credit losses.
• Ensure adherence to credit policies, operational processes, internal controls, and regulatory requirements.
• Lead and mentor Area Managers, Branch Managers, and other regional teams.
• Identify opportunities for new branch openings, geographic expansion, and market penetration.
• Monitor branch-level performance through regular reviews and corrective action plans.
• Work closely with Credit, Risk, Collections, HR, Finance, and Operations teams to achieve regional objectives.
• Strengthen collection practices and ensure timely resolution of overdue and delinquent accounts.
• Ensure compliance with RBI regulations, internal policies, KYC/AML requirements, and microfinance guidelines.
• Maintain strong relationships with customers, field teams, local stakeholders, and other partners.
• Drive employee productivity, capability building, succession planning, and retention across the region.
• Identify operational risks and implement mitigation measures.
• Prepare and present regional performance reports to senior management.

Skills

Leadership

Analytical

Negotiation

Decision making

Travel readiness

Education

Graduate/MBA/PGDM in Finance or Business Administration

Job description

Role & responsibilities

Key Responsibilities

• Own the overall business performance and P&L of the assigned region.
• Drive growth in loan disbursement, portfolio outstanding, customer acquisition, and branch productivity.
• Develop and execute regional business plans aligned with organizational objectives.
• Manage and monitor portfolio quality, PAR, collection efficiency, delinquency, and credit losses.
• Ensure adherence to credit policies, operational processes, internal controls, and regulatory requirements.
• Lead and mentor Area Managers, Branch Managers, and other regional teams.
• Identify opportunities for new branch openings, geographic expansion, and market penetration.
• Monitor branch-level performance through regular reviews and corrective action plans.
• Work closely with Credit, Risk, Collections, HR, Finance, and Operations teams to achieve regional objectives.
• Strengthen collection practices and ensure timely resolution of overdue and delinquent accounts.
• Ensure compliance with applicable RBI regulations, internal policies, KYC/AML requirements, and microfinance guidelines.
• Maintain strong relationships with customers, field teams, local stakeholders, and other relevant partners.
• Drive employee productivity, capability building, succession planning, and retention across the region.
• Identify operational risks and implement appropriate mitigation measures.
• Prepare and present regional performance reports and business updates to senior management.

Candidate Profile

• Graduate/MBA/PGDM in Finance, Business Administration, or a related discipline preferred.
• 11-14 years of overall experience, with substantial experience in microfinance, NBFC, banking, or financial services.
• Strong experience in managing multiple branches/areas and large field teams.
• Proven track record in driving business growth while maintaining portfolio quality.
• Strong understanding of microfinance lending, group lending/JLG, credit, collections, and field operations.
• Good knowledge of regulatory and compliance requirements applicable to the microfinance sector.
• Strong analytical, leadership, negotiation, and decision‑making skills.
• Willingness to travel extensively across the assigned region.