Senior Lead - MFI Product

Mployee.me; Pune District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Mployee.me in Pune district seeks a results-driven leader to head JLG loan business across 25 branches. You will guide sales and collections, allocate resources, and explore profitable markets while ensuring governance and portfolio quality.

The role requires MBA or graduate with 5–7 years in microfinance, strong leadership and analytical skills, and the ability to train teams, review performance, and drive growth in a dynamic regional environment.

Qualifications

• Graduate or MBA with 6–8 years' experience in driving MFI JLG business locally.
• MBA with 5–7 years of relevant experience.

Responsibilities

• Achieve defined business targets and maintain portfolio quality.
• Travel monthly for branch and customer visits (10 days).
• Ensure governance and compliance across Sales and Collections.
• Identify training needs and analyze changing market trends.
• Coordinate with Area Managers and Branch Managers on priorities.
• Monitor end-of-day status and provide clear business pictures.
• Segment customers and target growth opportunities in the region.
• Assist in collections during branch visits and identify process pain points.
• Plan branchwise and productwise growth with the team.
• Cascade plans from Zonal Manager and set aligned targets.
• Communicate product updates and policy changes to the team.
• Conduct quarterly reviews and provide feedback for improvement.
• Develop developmental plans and training for staff.

Skills

Achievement orientation

Analytical skills

Bias for action

People management

Communication skills

Leadership skills

Education

MBA

Graduate

Job description

Job Purpose

• Achieving and exceeding business goals and targets for MFI JLG Loans
• Managing and supporting the effective deployment of business team with respect to the geographical area (25 branches), exploring new markets and in allocating resources to most profitable opportunities

Duties and Responsibilities

• Achieve defined business targets and maintain healthy portfolio quality as defined in AOP.
• Monthly 10 days location travel for branch and customer visits
• Ensure teams adherence to business (Sales + Collections) governance & compliance processes
• Identifying the need of JLG business operational Model training, analyzing changing market trends, channel deployment etc.
• Takes inputs from Area Managers on status of files at different stages of processing - suggests priorities, alternatives, and solutions; Takes stock of the situation and discusses the plans for the day with Area Managers and Branch Managers - stresses on anticipating sales challenges and working accordingly
• Reviews conversion periodically during the day - drives achievement; Derives end of day status - logins, disbursements, holds, etc., so as to provide a clear picture to the business; Plans with team the follow-through actions for the next day
• Gauges the potential of the region - spurs more complete segmenting of customers in the catchment; Identifies with team, profiles to target and avoid
• Assists in Collections cases during branch visits, meets customers regularly in the region to identify any pain areas in the process and provide suggestions and inputs to better our operational model.
• Judges and plans branch wise and product wise growth along with the team; Guides teams to plan achievement of targets
• Cascades finalized plans received from Zonal Manager to the team members - derives aligned performance targets for each, on the basis of potential gauged; Plans with each to achieve their targets
• Downloads to Area Managers and Branch Managers product and policy updates and explains their rationale - drives onward communication of the updates to the entire team; Gauges clarity within the team on product and policy updates through file holds, rejections, rework, etc., and spurs communication to improve understanding
• Conducts Quarterly face-to-face reviews, gives feedback on improvement areas; Provides feedback to under-performing team members - seeks to understand causes, so as to provide timely and appropriate inputs and support
• Understands each team member's learning needs based on performance, behavior, future team needs and individual aspirations; Co-creates developmental plans along with them; Ensures manpower training, especially new joiners in the region.
• Provides relevant inputs to team members personally; Influences to arrange for other impactful inputs for them, as per plan
• Listens to and understands team members' issues - addresses them to the extent feasible; Keeps Zonal Manager informed of key issues and involves him as well as HR where needed
• Nominates team members for reward and recognition commensurate with their achievements; Appreciates team members appropriately in internal forums as relevant
• Develops and maintains relations with counterparts in Operations, and relevant HO teams - stays aware of their challenges and conveys own to them
• Tracks files on hold, and deviations from TAT - intervenes where needed
• Reviews profiles being offered and avoided, seeking to maximise the addressable market without increasing delinquency ratios
• Works to ensure weak or new geographies achieve productivity norms early
• Makes manpower projections, decides on team size and distribution per location, and annual growth plans
• Conducts final interview with shortlisted Branch Manager candidates, informs Zonal Manager and HR; Shortlists candidates and conducts initial interviews with them for Area Manager positions - makes recommendations to Zonal manager
• Reviews and discusses achievement with team periodically; Conducts mid-year and annual performance review per team member, providing feedback for their improvement

Key Decisions / Dimensions

• Finding out new locations for launch, partner with local admin team to build new branches in the region.
• Business (Sales & Collections, Operational Model) compliance governance adherence and recommend corrective action for the same

Major Challenges

• Attrition control & retaining employees, ensuring branches are staffed optimally
• Getting business from critical markets & competition from other MFI companies in deep geo
• Maintaining portfolio efficiency and quality across all branches in span.

Required Qualifications and Experience

• a) Qualifications: Graduate, Post Graduate MBA
• b) Work Experience & skills: Graduation with 6 to 8 years and MBA with 5-7 years of relevant experience in driving MFI JLG business in local geo

Skills AND Knowledge

• Demonstrated success & achievement orientation
• Strong analytical skills to drive channel performance and drive profitability.
• Strong bias for action & driving results in a high performing environment.
• People & Relationship Management skills.
• Excellent Communication and Negotiation Skills
• Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance.