Business Head - MSME Lending - Banking

Hiring for "Business Head" in a leading Bank.

Job Purpose:

Lead the overall MSME lending business across secured and unsecured business loans, LAP, Working Capital, CC, OD and allied products. Drive national growth, profitability, portfolio quality, customer acquisition and expansion of the MSME franchise.

Key Responsibilities:

• Define and execute the national MSME business strategy and P&L.
• Drive portfolio growth, disbursements, revenue, profitability and market expansion.
• Lead distribution through Direct Sales, Branch Banking, DSAs, Connectors and strategic alliances.
• Manage Regional Heads and senior business leaders across geographies.
• Build a high-performance sales organization and develop leadership talent.
• Ensure strong underwriting, portfolio monitoring, delinquency control and asset quality.
• Partner with Product and Technology teams to drive digital lending, automation and customer experience.
• Improve TAT, productivity, governance and operational efficiency.
• Work closely with Credit, Risk, Collections, Operations, Finance, Legal, HR and Technology.
• Drive customer acquisition, retention, cross-sell and relationship deepening.

Candidate Profile:

• 18 - 25 years of experience in Banking/NBFCs with strong MSME, Business Banking, Commercial Lending or SME Finance exposure.
• 10+ years of senior leadership experience managing large, multi-regional businesses.
• Proven track record of building and scaling national MSME lending portfolios.
• Strong experience across secured & unsecured business loans, LAP, Working Capital, CC/OD and allied products.
• Strong P&L, credit, risk, portfolio management and commercial acumen.
• Experience managing large geographically distributed teams.
• Candidates from leading Banks, NBFCs, HFCs or Financial Institutions preferred.
• Graduation mandatory; MBA/PGDM preferred.