Regional Head

Jana Small Finance Bank; Kendujhar; On-site; INR 1,800,000 - 2,400,000; Full time

Job summary

Jana Small Finance Bank is seeking a senior regional leader to own the P&L for the assigned region and drive growth across loan disbursement, portfolio health, and branch productivity.

The role requires leadership of multiple branches and large field teams, deep knowledge of microfinance and group lending, and frequent collaboration with Risk, Collections, HR, and Finance to meet regional objectives.

Qualifications

• 11-14 years of overall experience in microfinance, NBFC, banking or financial services.
• Strong leadership of multiple branches and large field teams.
• Knowledge of microfinance lending, group lending/JLG and credit operations.

Responsibilities

• Own the regional P&L and drive business performance.
• Improve loan disbursement, portfolio quality, and branch productivity.
• Develop and execute regional business plans aligned with objectives.
• Monitor credit quality, PAR, collections, and credit losses.
• Ensure compliance with RBI regulations, KYC/AML and microfinance guidelines.
• Lead Area Managers and Branch Managers; mentor regional teams.
• Identify opportunities for branch openings and geographic expansion.
• Prepare regional performance reports for senior management.

Skills

Leadership

Negotiation

Decision making

Analytical skills

Travel willingness

Education

MBA/PGDM in Finance or related field

Job description

Role & 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..