Role & responsibilities Strategy and PlanningInitiate the branch network expansion through network planning, identifying potential market.Develop new strategies to scan the market for potential new avenues & generate revenue from untapped markets; launch new products for generating new business post consultation with respective Business Heads.Formulate the sales, distribution, and disbursement strategy for the Region.Business HealthAchieve Regional targets by reaching out and tapping the full potential of the targeted customer segment within the specified area. Guide & facilitate Area Managers to formulate and drive plans for their respective Cluster.Ensure Overall revenue targets are met for the assigned geographical region monthly.Ensure overall revenue targets are reached as per the approved matrix for the Region from all revenue sources (processing fees, cross sell, yield etc.)Ensure the profitability targets to be met for all the product in assigned Region.Ensure that branch profitability is maintained (Fee Income >= Branch Cost) which can be measured as per branch score card.Responsible for Marketing.Operational Excellence and Customer ServiceEnsure smooth loan processing process is maintained at all reporting branches and customer service delivered as per commitments made and organizations policyEnsure review of all cases in assigned Region to conduct sales personal discussion (PD) to understand the customer profile and ensure right sourcing.Portfolio ManagementMaintaining healthy portfolio of the assigned region (Existing and New). Work on strategy to ensure regularization of delinquent accounts and improve portfolio healthSupport and guide the sales and collections team of the cluster to improve portfolio healthTeam DevelopmentEnsure adequate manpower resources at each branch and support hiring of quality manpower.Minimize and control attrition at all reporting branchesResponsible for developing and training sales staff to attain sales goals, deliver customer service, and grow the location's revenues.Exploring new areas and ways to achieve productivity Perks and benefits Possess rich experience in HL/ LAP product with an IRR of 18-22 percent.Should have extensive exposure of local market.Total Experience: 6- 8 yearsQualification: Graduate/post GraduateAge group: 30 -36 yrs.

Role & responsibilities Manage overdue collections for hard bucket (90+ DPD) accounts within the assigned cluster. Develop and implement recovery strategies for delinquent accounts. Ensure effective follow-up with customers for repayment and settlement. Monitor and drive performance of collection agencies and in-house teams. Coordinate with the legal team for initiating legal actions such as Section 138 (Cheque Bounce cases), SARFAESI, Arbitration, Lok Adalat, and civil suits. Manage repossession and auction of assets in compliance with regulatory guidelines. Ensure timely execution of legal notices and settlements.Handle a team of field collection executives and agencies across locations. Drive performance of collection agencies through structured reviews and training. Ensure adherence to compliance and fair collection practices. Maintain and analyze collection reports (bucket-wise, resolution rates, agency performance, etc.). Provide periodic updates to senior management on collection efficiency and challenges. Engage with customers for settlements, restructuring, and resolution of disputes. Ensure customer grievances related to collections are handled professionally. Key Skills & CompetenciesStrong knowledge of recovery laws & RBI guidelines. Experience in hard bucket collections (90+ DPD). Ability to manage multiple teams. Proficiency in MIS & data analytics for collections. Negotiation and persuasion skills. Willingness to travel extensively across locations. Qualification & ExperienceEducation: Graduate/Postgraduate. Experience: 5-10 years in collections, recovery, or asset management, preferably in BFSI/NBFCs. Industry Preference: Banking, NBFCs, Microfinance, Fintech, or Recovery Agencies. Other DetailsSalary: As per industry standards. Work Mode: Field + Office-based role.

Position Overview:The Cluster Business Manager is responsible for overseeing multiple branches within a designated cluster, ensuring efficient operations, achieving sales targets, and maintaining high levels of customer satisfaction. They are also tasked with implementing strategic initiatives to drive business growth and profitability within the cluster.Key Responsibilities:Strategy and PlanningInitiate the branch network expansion through network planning, identifying potential market.Develop new strategies to scan the market for potential new avenues & generate revenue from untapped markets; launch new products for generating new business post consultation with respective Business Heads.Formulate the sales, distribution, and disbursement strategy for the Region.Business HealthAchieve Regional targets by reaching out and tapping the full potential of the targeted customer segment within the specified area. Guide & facilitate Area Managers to formulate and drive plans for their respective Cluster.Ensure Overall revenue targets are met for the assigned geographical region monthly.Ensure overall revenue targets are reached as per the approved matrix for the Region from all revenue sources (processing fees, cross sell, yield etc.)Ensure the profitability targets to be met for all the product in assigned Region.Ensure that branch profitability is maintained (Fee Income >= Branch Cost) which can be measured as per branch score card.Responsible for Marketing.Operational Excellence and Customer ServiceEnsure smooth loan processing process is maintained at all reporting branches and customer service delivered as per commitments made and organizations policyEnsure review of all cases in assigned Region to conduct sales personal discussion (PD) to understand the customer profile and ensure right sourcing.Portfolio ManagementMaintaining healthy portfolio of the assigned region (Existing and New). Work on strategy to ensure regularization of delinquent accounts and improve portfolio healthSupport and guide the sales and collections team of the cluster to improve portfolio healthTeam DevelopmentEnsure adequate manpower resources at each branch and support hiring of quality manpower.Minimize and control attrition at all reporting branchesResponsible for developing and training sales staff to attain sales goals, deliver customer service, and grow the location's revenues.Exploring new areas and ways to achieve productivity Qualification & Experience Bachelor's degree in Business Administration, Marketing, Sales, or a related field. MBA or PG in Sales & Marketing (preferred) 7+ years of experience in sales, with at least 2-3 years in a leadership role. Experience managing large sales teams and driving revenue growth. Skills & Competencies:Strong leadership, people management, and coaching skills. Excellent communication and negotiation abilities. Data-driven approach to sales planning and performance management. Strategic thinking and problem-solving abilities. Ability to work under pressure and meet tight deadlines. Compensation: Competitive salary with performance-based incentives. Additional perks and benefits as per company policy.