State Head
2 weeks ago
Job Title: State Head – Merchant Credit (South)
Location:
Bangalore (covering Southern Region – Karnataka, Tamil Nadu, Andhra Pradesh, Telangana & Kerala)
Working Days:
6 days/week
Industry : BFSI , Fintech
About the Role
We're looking for a
strategic and results-driven leader
to spearhead our
Merchant Credit (B2C)
business across South India. This role combines expertise in
merchant lending
with
consumer-centric approaches
, focusing on scaling credit offerings, ensuring portfolio quality, and driving profitability across the B2C merchant segment.
Key Responsibilities
- Lead & scale the
Merchant Credit B2C
business across the southern states. - Achieve targets for
merchant acquisition, credit disbursal & portfolio growth
. - Oversee
risk evaluation, compliance adherence & documentation
across states. - Collaborate with
product, risk, technology & operations
to implement credit strategies & design scalable merchant credit products. - Monitor KPIs such as
portfolio growth, delinquency rates & customer retention
. - Drive
process efficiency & automation
in merchant credit operations. - Build & manage a
high-performing sales & operations team
across multiple cities. - Develop
relationships with key partners, channels & merchant associations
across the South.
Key Performance Indicators (KPIs)
- Merchant Acquisition
– Achieve monthly/quarterly acquisition targets. - Credit Disbursal
– Meet/exceed disbursal volume targets for the region. - Portfolio Quality
– Maintain
delinquency/NPA rates
within defined thresholds. - Team Productivity
– Disbursal per FOS/team member benchmarks. - TAT Compliance
– Ensure credit processing & disbursal within defined timelines. - Audit & Risk
– 100% adherence to risk, compliance & audit norms.
Requirements
- 7–10 years
of experience in
merchant credit, lending, or MSME/BFSI
business with leadership/regional exposure. - Deep understanding of
credit assessment, underwriting & merchant ecosystems
. - Proven track record of achieving aggressive
business & portfolio targets
at a multi-state level. - Strong leadership, stakeholder management & communication skills
. - Proficiency in
data analysis, MS Excel & digital credit platforms
. - Willingness to
travel extensively
across southern states.
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