Zonal Head - Retail

Equitas Small Finance Bank Ltd.; Bengaluru; On-site; INR 4,000,000 - 6,000,000; Full time

Job summary

Equitas Small Finance Bank invites applications for the position of Zonal Head - Retail, overseeing Retail, Micro Finance and new product initiatives across the South Zone (Mallathali Branch, Zone South).

The role emphasizes building a high-quality loan portfolio, driving sourcing, profitability and collections, while ensuring 100% regulatory compliance and strong leadership of Branch, Cluster and Area Managers to meet regional targets.

Qualifications

• Graduation in any stream; MBA preferred.
• Professional qualifications: Graduate & Above.
• Experience in Private commercial banks and large NBFCs.
• Handy with basic Microsoft Office.

Responsibilities

• PBT for the Region / Division / Zone; Manage branches in terms of Sales, Branch operations and administration.
• New Initiatives: Process/ People / Product/ Training & Hand holding the team.
• Build a high Quality Loan portfolio for the division of 3-4 Areas.
• Responsible to Achieve targeted for the Region.
• Track and Ensure Repayments of the Loan disbursed.
• Maintain Manage & Deliver Branch productivity in the region for Micro finance/Micro LAP/HF/AGRI/New product.
• Responsible for training team members on product & handhold.

Skills

Sales

Collections

People management

Leadership

Education

Graduation (Any Stream)

MBA Preferred

Graduate & Above

Tools

Microsoft Office

Job description

External Title Zonal Head – Retail

Employment Type Permanent

Employment Category Field

Organisational

Entity Equitas Small Finance Bank

Business Unit Assets

Division/Function (SBU) Inclusive Banking - SBL

Department Mortgages

Sub-Department Business

Generic Role Zonal Manager

External Title (Job Role) Zonal Head - Retail

Division Inclusive Banking - SBL

Zone South

Branch Code 3037

Branch Name Mallathali

Job Description

Purpose of the role:

• The position has been created to enable clear focus on handling a Region for Retail/Micro finance/New product & To ensure sourcing/profitability/collection in the branches by maintaining high quality of portfolio as per company norms and process.

Key Responsibilities:

• PBT [Profit before Tax] for the Region / Division / Zone Manage the Branch’s in terms of Sales, Branch operations and administration.
• New Initiatives: Process/ People / Product/ Training & Hand holding the team
• Build a high Quality Loan portfolio for the division of 3-4 Areas.
• Responsible to Achieve targeted for the Region
• Track and Ensure Repayments of the Loan disbursed
• Maintain Manage & Deliver Branch productivity in the region for Micro finance/Micro LAP/HF/AGRI/New product
• Responsible acquit ion of recurring deposit for the bank through eligible micro finance members
• Responsible for sufficient manpower in every branch to achieve the desired results
• Handholding team of Branch Managers/Cluster Managers/Area Managers to achieve desired targets
• Field Visit with branch team members to handhold in sourcing & collection
• Responsible for sales team to high performance and be a team player
• To Build and Nurture team & enable them to achieve high performance
• Ensuring 100% compliance to policies & processes and all regulatory matters of RBI and other statutory bodies.
• Responsible for training team members on product & handhold

Desired Experience:

• Number of years of experience (15-20 Years )
• Type of companies/sector worked for(Private commercial banks and large NBFCs)
• Responsibilities managed in the previous organizations(Primarily Sales & Collection function. Past experience on the sale & Collection side of CV.)
• Computer/technical skills (Handy with Basic Microsoft office)

Qualifications:

• Graduation: (Any Stream)
• Post-graduation: (MBA Preferred)
• Professional Qualifications: Graduate & Above
• Certifications (please specify):If any would be an added advantage