1. Business & Portfolio Management
- Develop and execute strategies to achieve SME lending, disbursement, and portfolio targets.
- Monitor portfolio growth, quality, collection performance, and identify opportunities to expand the SME customer base.
- Ensure sustainable portfolio growth while maintaining acceptable risk levels.
2. Team Management & Leadership
- Lead, coach, and motivate the SME team to achieve individual and unit targets.
- Set team objectives and KPIs, monitor performance, and provide regular feedback and coaching.
- Ensure effective workload distribution and support team development.
3. Credit & Risk Management
- Ensure financing applications comply with approved credit policies, procedures, and risk guidelines.
- Monitor portfolio quality, identify potential risks, and implement appropriate corrective actions.
- Coordinate with Credit, Risk, and Collection teams to address portfolio-related issues.
4. Operations & Stakeholder Management
- Ensure efficient execution of SME lending activities from sourcing to disbursement and monitor TAT.
- Ensure accurate and timely reporting of unit performance and portfolio status.
- Coordinate with relevant departments to ensure smooth operations and compliance with internal policies and regulatory requirements.
Requirements
Bachelor's degree in Business Administration, Finance, Economics, or a related field.
8–12 years of relevant experience in SME lending, microfinance, banking, or financial services.
Previous experience in a managerial or team leadership role.
Strong knowledge of SME lending and credit processes.
Good understanding of credit risk and portfolio management.
Strong leadership, communication, negotiation, and analytical skills.
Strong ability to manage targets and work in a fast-paced, target-driven environment.
