Regional Business Head- Housing Loan

2 weeks ago

Noida, Uttar Pradesh, India DJT Microfinance Pvt Ltd Full time ₹ 36,000 - ₹ 25,00,000 per year

Job Overview:

A Regional Business Head for Housing Loans in Microfinance is a senior executive responsible for leading the strategy, sales, operations, and portfolio quality of affordable housing loan products within a specific geographic region. This role involves driving business growth while maintaining compliance with regulations and the company's social mission of financial inclusion.

Role & responsibilities

Key Responsibilities

  • Strategic Planning: Develop and implement regional business plans and sales strategies to achieve targets for housing loan disbursement and revenue growth.
  • Team Management & Leadership: Recruit, train, mentor, and manage a high-performing team of area/branch managers and field officers, fostering a culture of performance and compliance.
  • Business Development & Sourcing: Oversee customer acquisition strategies, including building strong relationships with local stakeholders like real estate agents and builders, and developing robust sourcing channels (direct and indirect).
  • Portfolio Quality & Risk Management: Monitor the loan portfolio performance, track and control delinquency rates (PAR/NPA), manage collections, and ensure the underwriting process adheres to established risk policies.
  • Operations & Compliance: Ensure all regional operations, including loan processing, documentation, and disbursement, comply with internal policies and external regulatory requirements (e.g., RBI/NBFC guidelines).
  • Market Analysis: Monitor market trends, competitor activities, and product acceptability in new areas to identify opportunities for expansion and provide strategic recommendations to senior management.
  • Financial Management: Manage the regional budget, monitor key performance indicators (KPIs), and prepare and present regular reports on regional performance, financials, and forecasts.

Key Qualifications and Skills

  • Education: A Bachelor's/Master's degree in Finance, Business Administration, or a related field is required, with an MBA or postgraduate qualification often preferred.
  • Experience: Typically requires a minimum of 8-10 years of experience in the mortgage, home loan, or housing finance sector, with a proven track record in sales leadership and regional management.
  • Leadership: Exceptional leadership, communication, interpersonal, and negotiation skills.
  • Industry Knowledge: Deep understanding of affordable home loan products, microfinance principles, market dynamics, and the regulatory environment.
  • Analytical Skills: Strong analytical and problem-solving abilities to assess market conditions, financial data, and manage risk.

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