Regional Manager

Dream Jobs Staffing Solution; Ludhiana; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Dream Jobs Staffing Solution in Ludhiana, Punjab seeks an experienced Regional Manager to spearhead growth across Punjab. The role focuses on sales leadership, portfolio expansion, and customer service excellence within NBFC and financial services.

Responsibilities include building channel partnerships with DSAs, managing multi-branch operations, and delivering on disbursement targets while ensuring compliance with RBI regulations and risk controls.

Qualifications

• Graduate in any discipline; MBA in Marketing, Finance, or Business Management preferred.
• 10–15 years of experience in sales and business development within an NBFC, Bank, Housing Finance Company (HFC), or Financial Services organization.
• Minimum 4–5 years of experience managing multi-branch or regional operations.
• Proven track record of delivering business growth and leading high-performing sales teams.
• Strong understanding of retail and SME lending products, credit processes, and channel sales.
• Established network with DSAs, builders, brokers, and financial intermediaries across Punjab is highly desirable.
• Strong leadership, communication, negotiation, analytical, and people management skills.
• Proficiency in CRM systems and Microsoft Office applications.

Responsibilities

• Drive regional growth across Punjab in the company portfolio (various lending products).
• Develop and execute regional business plans to achieve monthly, quarterly, and annual sales targets.
• Identify new markets, customer segments, and business opportunities to increase market share.
• Lead, mentor, and develop Branch Managers, Area Managers, Sales Managers, Relationship Managers, and Sales Executives.
• Ensure adherence to RBI regulations, KYC/AML guidelines, internal policies, and audit requirements.

Skills

Leadership

Sales Management

Channel Development

People Management

Negotiation

Communication

Strategic Planning

CRM

Analytics

Customer Relationship

Education

Bachelor's degree

MBA

Tools

CRM systems

Microsoft Office

Job description

Position: Regional Manager
Location: Ludhiana, Punjab
Territory: Punjab
Industry: NBFC (Non-Banking Financial Company)
Department: Sales & Business Development
Reporting To: State Head / National Sales Head

Position Overview

We are seeking an experienced and results-oriented Regional Manager to lead and expand our business across Punjab. The role is responsible for driving sales, business development, portfolio growth, and profitability across the region while ensuring superior customer service, strong channel partnerships, and healthy portfolio quality. The ideal candidate will possess strong leadership capabilities and extensive experience in retail lending and financial services.

Key Responsibilities

Business Growth & Sales Management

• Drive regional business growth across the company's portfolio, including Personal Loans, Business Loans, Loan Against Property (LAP), Home Loans, Vehicle Loans, SME Loans, Gold Loans, Consumer Finance, and other lending products.
• Develop and execute regional business plans to achieve monthly, quarterly, and annual sales targets.
• Identify new markets, customer segments, and business opportunities to increase market share across Punjab.
• Ensure achievement of disbursement, revenue, profitability, and portfolio growth objectives.

Team Leadership

• Lead, mentor, and develop Branch Managers, Area Managers, Sales Managers, Relationship Managers, and Sales Executives across the region.
• Establish performance goals, monitor KPIs, and conduct regular business reviews.
• Build a high-performance, customer-centric sales culture through coaching and continuous capability development.

Branch & Territory Management

• Oversee business operations across multiple branches within Punjab.
• Ensure optimum productivity, operational efficiency, and compliance across all locations.
• Drive expansion of branch business through strategic planning and local market initiatives.

Channel Development

• Build and strengthen relationships with Direct Selling Agents (DSAs), connectors, builders, Chartered Accountants, property consultants, automobile dealers, and other business partners.
• Increase partner productivity and expand the distribution network across the territory.
• Develop strategic alliances to generate sustainable business opportunities.

Portfolio Quality & Risk Management

• Work closely with Credit, Risk, Operations, and Collections teams to maintain healthy portfolio quality.
• Monitor delinquency levels, overdue accounts, and NPAs, implementing corrective actions where required.
• Ensure adherence to credit policies, underwriting standards, and regulatory guidelines.

Customer Relationship Management

• Develop long-term relationships with key customers, corporate clients, and institutional partners.
• Ensure high standards of customer experience throughout the loan lifecycle.
• Resolve escalations effectively while maintaining service excellence.

Business Planning & Reporting

• Prepare regional business forecasts, budgets, and performance reports.
• Analyze market trends, competitor activities, and customer insights to drive business decisions.
• Present regular MIS and business review reports to senior leadership.

Compliance & Governance

• Ensure adherence to RBI regulations, KYC/AML guidelines, internal policies, and audit requirements.
• Promote ethical sales practices and strong operational controls across the region.
• Ensure compliance with all statutory and regulatory requirements.

Desired Candidate Profile

• Graduate in any discipline; MBA in Marketing, Finance, or Business Management preferred.
• 1015 years of experience in sales and business development within an NBFC, Bank, Housing Finance Company (HFC), or Financial Services organization.
• Minimum 4–5 years of experience managing multi-branch or regional operations.
• Proven track record of delivering business growth and leading high-performing sales teams.
• Strong understanding of retail and SME lending products, credit processes, and channel sales.
• Established network with DSAs, builders, brokers, and financial intermediaries across Punjab is highly desirable.
• Strong leadership, communication, negotiation, analytical, and people management skills.
• Proficiency in CRM systems and Microsoft Office applications.

Key Competencies

• Regional Business Management
• Multi-Product Lending
• Retail & SME Lending
• Sales Strategy & Execution
• Team Leadership & Coaching
• Branch Operations Management
• Channel Partner Development
• Portfolio & Risk Management
• Business Planning & Forecasting
• Customer Relationship Management
• Market Expansion
• Commercial Negotiation
• Regulatory Compliance