AU Small Finance Bank - Regional Business Manager - Micro LAP & Affordable Housing Loan

Regional Business Manager Micro LAP & Affordable Housing Loan

Location: Andhra Pradesh & Telangana

Grade: (Based on Experience)

Function: Retail Assets

Key Responsibilities:

Business Growth & Revenue Management:

• Drive regional business plans aligned with organizational objectives.
• Achieve disbursement, sourcing, and portfolio growth targets for Micro LAP and Affordable Housing Loan products.
• Develop and execute market penetration strategies across urban, semi-urban, and rural markets.
• Ensure sustainable growth while maintaining profitability and portfolio quality.

Team Leadership & People Management:

• Lead, mentor, and develop a team of Area Managers, Cluster Managers, and Sales Managers across the region.
• Drive productivity, engagement, and performance management of the sales team.
• Build a high-performance culture through regular coaching and field visits.

Channel & Distribution Management:

• Strengthen sourcing through DSA, Connector, Builder, and Branch Banking channels.
• Build and manage strategic relationships with key channel partners.
• Identify new business opportunities and distribution partnerships in the region.

Portfolio & Risk Management:

• Ensure healthy portfolio quality by monitoring delinquency, bounce rates, and collection efficiency.
• Work closely with Credit, Operations, Risk, and Collections teams to improve portfolio performance.
• Drive adherence to underwriting and compliance guidelines.

Stakeholder Management:

• Collaborate with Credit, Operations, Product, Marketing, and HR teams to ensure seamless business execution.
• Coordinate with regional and corporate teams for process improvements and business enhancements.
• Represent the bank in industry forums and customer interactions.

Market Intelligence:

• Monitor competitor activities, market trends, and customer requirements.
• Provide feedback to Product and Business teams for product enhancement and process optimization.

Educational Qualification:

• Graduate in any discipline.
• MBA / PGDM preferred.

Experience:

• 10-15 years of experience in Retail Assets, Housing Finance, Affordable Housing, LAP, Mortgage, or Secured Lending.
• Minimum 3-5 years of experience in leading a regional business team.
• Proven track record of delivering business growth and managing large teams.
• Strong understanding of Affordable Housing Loans, Micro LAP, Credit, Collections, and Distribution Management.