• This is a high-impact leadership role for an entrepreneurial business leader to drive profitable growth across India’s emerging markets. The Circle Business Head will be responsible for building, scaling, and leading a high-performing branch network (25+ branches) within a defined circle/state. With a sharp focus on customer centricity, operational excellence, and regulatory compliance, this role is central to expanding our reach in non-metro cities and economic hubs.

Business Growth & P&L Ownership

• Own and exceed the circle’s AOP, P&L, ROA, and ROE targets Drive rapid and sustainable growth across secured lending products Maximize revenue through cross-sell, renewals, top-ups, and balance transfers Use competitive intelligence and local market insights to shape business strategy

Distribution & Network Expansion

• Scale a robust network of 25+ full-service branches in the assigned region Identify branch locations, manage lease closures, and oversee setup Drive direct sourcing via customer events, exhibitions, loan melas, MSME conclaves, roadshows, and local merchant connects

Team Leadership & Capability Building

• Lead a span of 4 to 6 Regional Business Heads, 25+ Branch Heads, and 75– 100 FTEs Recruit, coach, and build a high-performance leadership pipeline across roles Foster a culture of ownership, agility, compliance, and customer-first execution

Risk, Compliance & Operational Excellence

• Ensure regulatory adherence, internal audit readiness, and governance excellence Oversee cost control, TATs, sourcing quality, recoveries, and risk containment Ensure compliance with municipal laws, property regulations, collateral management, litigation, and repossession protocols

Market Intelligence & Strategic Partnerships

• Build strong networks with local bodies, legal institutions, and fraud prevention agencies Leverage local intelligence to identify new business triggers and mitigate risks Stay ahead of trends in industries, customer behaviours, and competitor movements

Educational Background

• Chartered Accountant or Master’s in Business Management Preferably from Tier 1 or Tier 2 institutions

Experience & Functional Expertise

• 14–18 years of progressive leadership experience in banks or NBFCs

• Proven P&L ownership and multi-location team leadership experience

• Deep expertise in secured lending products: LAP, Home Loans, Secured Business Loans, Working Capital Finance

• Strong track record in both sales and collections within MSME, B2B, and B2C segments

Market & Domain Knowledge

• Strong understanding of regional markets, customer segments, and business ecosystems Familiarity with compliance, audit, risk frameworks, and regulatory landscape Ability to engage with local bodies, legal entities, fraud control, and governance infrastructure

Attributes

• Demonstrated success in building large-scale distribution networks in emerging markets Experience in hiring, developing, and managing high performing, geographically spread teams Entrepreneurial mindset with a hands-on approach to problem-solving and execution

Personal Attributes & Mobility

• High integrity, result orientation, and strong business acumen Excellent communication and relationship-building skills Willingness to travel extensively across the assigned circle