Zonal Sales Head | 19+ Years Experience | Sales & Distribution, BFSI, NBFC, Banking & Lending

IM Calcutta (EPYP) alumnus and Deputy Vice President with 19+ years leading personal loan, business loan, credit and collections businesses across India's NBFC, banking and financial services sectors. Full P&L owner at zone and region level, managing unsecured lending volumes above INR 500 crore (about USD 55 Mn) a year. Known for scaling multi channel distribution while holding portfolio quality through disciplined credit, risk and collections partnership. Leads and retains teams of 100+ across multi-location structures. Seeking to lead retail and unsecured lending as Business Head / Head of Personal Finance with a UAE bank or finance company

Core Competencies

• P&L and business ownership: full accountability for lending businesses across zones and regions; impact on ROTA, yield and portfolio profitability.
• Personal and business loan distribution: unsecured personal, business and mortgage/LAP lending through branch, DSA/broker and direct channels.
• Credit and risk-aware growth: balancing volume with credit quality, working closely with credit, risk and collections teams.
• Channel and partner management: building broker, dealer and distribution-partner networks in metro and regional markets.
• Leadership: building, coaching and retaining leadership teams of 100+; succession and talent pipeline development.
• Strategy: market-entry planning based on competitor and customer behaviour analysis; data-led zonal strategy