Job Description
Job Summary • The Candidate will be responsible for managing the bank's entire value chain with Microfinance Banks and Microfinance Institutions.
• This involves originating and managing relationships to provide them with commercial banking services (liabilities, credit lines, treasury products) while simultaneously acting as a trusted advisor on their portfolio health, operational efficiency, and regulatory adherence.
• The candidate will be the bridge between the bank's commercial interests and the stability of the microfinance ecosystem.
• The Teamlead will supervise the development and management of bespoke digital financial solutions or core banking application (CBA) that can be bundle-sold for usage by respective segments.
• The TL will manage various Vertical Managers responsible for the product management and sales of the products.
Key Responsibilities
Business Development & Relationship Management:
• Portfolio Growth: Drive the acquisition and onboarding of new Microfinance Banks and Institutions as customers of the commercial bank. Manage a portfolio of existing MFI/MFB relationships to deepen wallet share.
• Technology Adoption: Drive adoption of technology solutions/APIs suited for the daily banking services. Develop, manage or white label core banking application (CBA) for the partners.
• Value Chain Financing: Structure and pitch wholesale credit facilities, contingent facilities, and liability products (CASA, Term Deposits) tailored to the cash flow and growth cycles of MFBs/MFIs.
• Cross-Selling: Identify opportunities to cross-sell the bank's suite of products, including trade services, treasury management, digital payment solutions, and banking partnerships.
• Pipeline Management: Develop and execute a go-to-market strategy for the microfinance sector, tracking performance against balance sheet and revenue targets.
Credit & Portfolio Advisory:
• Due Diligence: Lead the commercial and operational due diligence process for onboarding MFB clients, assessing their lending methodologies, portfolio at risk (PAR), and management quality.
• Ongoing Monitoring: Review the financial health, asset quality, and capital adequacy of partner MFIs/MFBs to ensure the bank's exposure remains healthy.
• Advisory Support: Advise MFI partners on best practices in credit risk management, product diversification, and interest rate setting to help them maintain a healthy portfolio that protects the bank's downstream risk.
Regulatory & Compliance Liaison:
• Intermediary Compliance: Ensure that all dealings with MFBs comply with the Central Bank's regulations regarding financial institutions, including lending limits, related party transactions, and reporting requirements.
• Advisory on MFI Compliance: Guide MFI partners (which may be non-bank financial institutions) on their own regulatory obligations (e.g., KYC/AML standards, consumer protection laws) to ensure they remain in good standing, thereby securing the bank's indirect risk.
Product Innovation & Ecosystem Development:
• Value Chain Solutions: Collaborate with the Product team to design banking solutions that address specific friction points in the MFI value chain (e.g., automated bulk disbursement/collection APIs, agent liquidity management).
• Market Intelligence: Monitor trends in the microfinance sector, including digital lending, fintech partnerships, and agricultural finance, to identify new business opportunities for the bank. • Thought Leadership: Represent the bank at industry conferences and regulator meetings to position the bank as the partner of choice for the microfinance sector
Requirements
Minimum Requirements
• Education: Bachelor’s degree in finance, Economics, Business Administration, or a related field. An MBA or master's degree is strongly preferred.
• Experience: 8–12 years of experience in commercial banking, financial institutions group (FIG), or microfinance lending.
• Great Interpersonal and Communication Skills.