Job Description

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Business Head-MSME

Corporate 1100-Corporate Office, Bangalore, Karnataka, India








Department
MICRO, SMALL AND MEDIUM ENTERPRISES
Job posted on
Jan 09, 2026
Employee Type
Permanent
Experience range (Years)
0 - 0

POSITION DESCRIPTION

JOB TITLE

Business Head-MSME

GRADE

EVP











DEPARTMENT

MSME

LOCATION

HO/RO/BRANCH











SUB-DEPARTMENT

Business

TYPE OF POSITION

Full-time











REPORTS TO

MD & CEO



REPORTING INTO

1. Regional Business Manager-LAP (MSME)
2. Business Coordinator-Central (MSME)
3. National Manager-Digital Lending and Supply Chain Finance
4. National Product Manager-MSME
5. Regional Business Manager-Working Capital (MSME)

ROLE PURPOSE & OBJECTIVE

The primary role of Business Head is planning, developing, and implementing the strategies, policies, objectives and activities of the MSME Loan business to ensure achievement of the objectives of business levels and profitability. To build, engage teams for driving for compliant, profitable business and built quality portfolio. Focus on profitability, growth and managing the business in a risk mitigated environment in accordance with the strategy and guidelines approved by the board.

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE



+ Portfolio Size of Rs 2,500 - 10,000 Crs. + Monthly Disbursement - Rs 150-500 Crs.
+ Contributing up to 50% of bank retail asset book
+ Contributing in branch profitability in almost 70-75% bank branches
+ Ensuring ROA in range of 1.5 - 2.5%
Cost to income below 55% level



Clientele of some 10-50 K NPA below 2% Both Fund based and non-Fund based products Product Suites of CC, OD, TL, LAP, Supply Chain, LARR, CGTMSE, BG, LC, Bill Discounting, FX Limits (EPC, PCFC, FBD, FBP, FBN) Team Size of some 300-1000 Digitalization for more than 50% of processes Multilevel vendors onboarding along with multilevel fintech partnerships

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials (Only Relevant roles)

Identify and formulate policies & products that cater to the target customer segments Develop annual budgets for the company (for housing loans) and ensuring that the same is implemented as approved Responsible for monitoring cost of acquisition & revenues Study the market and economic climate to target and improvement in market share Partner with Marketing and Digital Marketing teams to design campaigns, initiatives that will help the liability business create brand awareness and drive business. Launch and implement new products as per business strategy Exploring new channels/ partner relationship for business acquisition Ensure achievement of the portfolio growth & profitability (Numbers, Yield and profitability) in line with budgets

Customer (Both Internal & External)

Monitor service index and put in place various service delivery frameworks to deliver best in best-in-class customer service for all customer segments in Liabilities vertical Monitor Portfolio retention and cross sell & up sell product to the existing customers Roll out various mechanisms in partnership with the Customer Experience team to collate feedback from customers with respect to turn around times, courteous sales behavior and enhancement of products Liaise with IT for solutions related to system design and integration to ensure seamless support to branches and ensuring efficient customer service. Provide management with comprehensive information about sales, costs, risks and profitability

Internal Process

Regular competition benchmarking to stay in line with industry practices Track & maintain the portfolio health - Quality underwriting & efficient collection management Meet or improve target level delinquencies and "days past due" Operational Efficiency -Automation of process for cost advantage & enhanced service levels Design measure to minimize adverse audit remarks & adhere to regulatory compliance at all times. Advice and rewrite practices in process prevalent with other organizations with similar lines of business Respond to all audit and compliance queries on time and educate team on gaps Identify and analyze bottlenecks in process and rejuvenate the customer journey

Innovation & Learning

Attract and develop talent in a culture of high performance and strive to retain existing talent Promote and create an environment of healthy competition, transparency and have a process promoting meritocracy and performance through regular rewards and recognition programs Ensure that the senior supervisory lines are provided coaching in liaison with Human resources Monitor the knowledge levels and identify skills gaps of the team and put in place a continuous training program to update their knowledge and skills. Identify sensitive roles and create back-ups to ensure uninterrupted operations Supervise the performance of employees and conduct their annual performance appraisal. As a skip level supervisor oversee the performance of second level managers, identify their training and development needs. Identify various areas to improve efficiencies in the department and engage technology solution to improve productivity especially in transactional/human intensive job areas Build powerful networks with various industry bodies to imbibe and share best practices

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational
Qualifications

CA/MBA or relevant experience with in-depth knowledge of Working capital & Term Lending Business. Person should have experience of wider geography, national role, product and process development etc. in desired field







Experience

15-20 years of experience in Bank /NBFC/SFBs 7-10 years driving business in a leadership role







Certifications

NA







Functional Skills

In depth knowledge of both Secured and Unsecured lending Good understanding of market & competitive land scape for MSEs Experience of setting up new business, building up teams Exposure to regulatory aspects of MSE -RBI Guidelines







Behavioral Skills

Problem Solving attitude Organized & result oriented Excellent communication skills Excellent people management & interpersonal skills Good analytical & presentation skills Managing Change







Competencies

Cultivating Networks and Partnerships Strategic Influence Coaching and Developing Others Driving Execution Sharing Responsibility Entrepreneurship Building Organizational Talent

KEY INTERACTIONS

INTERNAL

EXTERNAL



Heads of all Business, Control and Support Functions Board MD and CEO Fintech companies and Corporate DSAs for developing sourcing channel for business Senior Members of Govt Agencies dealing in MSME External Auditors Media Partners and Investors Peer Networks Customers





PREPARED BY: MSME Team

DATE: 13-07-2022



REVIEWED BY: Ashim Sarkar

DATE: 17-10-2025



LAST UPDATED BY: TM Team

DATE: 17-10-2025