Zonal Head

The Zonal Head – Microfinance & Inclusive Banking (AVP Grade) is responsible for establishing, scaling, and managing end-to-end microfinance operations across West Bengal. The role involves building the business from scratch, driving portfolio growth, ensuring asset quality, regulatory compliance, and leading multi-level teams to achieve sustainable growth while advancing financial inclusion objectives.Key ResponsibilitiesBusiness Setup & Expansion- Established microfinance and inclusive banking operations from ground zero across West Bengal. - Planned and executed branch expansion strategy, successfully scaling operations to 35 branches across the state. - Built robust operational frameworks, processes, and governance structures aligned with organizational and regulatory standards.Portfolio Growth & Financial Performance- Manage and grow a Gross Loan Portfolio (GLP) of ₹200 Cr, ensuring sustainable and profitable growth. - Drive customer acquisition, loan disbursements, and portfolio diversification in line with inclusive banking goals. - Ensure strong asset quality through effective credit appraisal, monitoring, and collection mechanisms. - Monitor PAR, delinquency, and recovery metrics to maintain portfolio health.Sales, Outreach & Financial Inclusion- Promote inclusive banking initiatives by extending credit access to underserved and unbanked segments. - Strengthen community engagement and field-level outreach to build trust and penetration in rural and semi-urban markets. - Collaborate with product and policy teams to tailor microfinance offerings to local market needs.Team Leadership & Capability Building- Lead and manage a large, multi-tier team including Branch Managers, Area Managers, and field staff. - Recruit, onboard, and develop talent across all operational levels. - Drive performance management, productivity tracking, and succession planning. - Foster a culture of accountability, ethical lending, and customer-centricity.Risk Management, Compliance & Governance- Ensure adherence to RBI, NABARD, and internal regulatory guidelines governing microfinance operations. - Strengthen credit discipline, fraud prevention, and internal control mechanisms. - Liaise with audit, risk, and compliance teams to ensure timely closure of audit observations. - Ensure compliance with social performance and responsible lending practices.Operational Excellence & Process Optimization- Drive cost efficiency and productivity through process standardization and operational optimization. - Review branch-level MIS, productivity reports, and performance dashboards regularly. - Implement corrective actions to improve operational efficiency and customer experience.Strategic Planning & Stakeholder Management- Develop and execute zonal business strategies aligned with organizational growth objectives. - Coordinate with HO leadership, credit, risk, HR, and IT teams for seamless operations. - Represent the organization with external stakeholders, regulators, and local authorities.Key Skills & Competencies- Strong expertise in Microfinance & Inclusive Banking - Proven experience in greenfield operations and scale-up - Portfolio management and asset quality control - Leadership and people development - Regulatory and compliance knowledge - Strategic thinking with strong execution capabilityQualifications & Experience- Graduate / Postgraduate in Business, Finance, Economics, or related field - Extensive experience in Microfinance, NBFC-MFI, or Inclusive Banking - Prior experience managing multi-branch, multi-district operations preferred

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