State Head-Personal Loan Expert

4 weeks ago


Kanpur, Uttar Pradesh, India IDFC FIRST Bank Full time

Role/Job Title: State Head-Personal Loan

Function/Department: Sales-Personal Loan

Job Purpose:

The role entails scaling up the business for lending in the state by developing strategies to expand existing products, channels, segments, and customer base by delivering banking needs to customers in the most cost-efficient and technology-effective manner. It includes building up teams, systems, processes, and culture amenable to the scale and consistency of delivery. This role closely collaborates with the Retail team - Sales, Product, Operations, IT, Credit, and BIU for the same. The role encapsulates the responsibility of providing a seamless and fulfilling customer experience and ensuring IDFC First becomes the primary bank for all banking needs.

Roles & Responsibilities:

  • Lead the state business across Personal Loan to expand revenue per existing customer.
  • Guide the distribution of products ensuring volume scale-up as per the defined targets.
  • Sourcing and managing team, channels, and generating business from them.
  • Ensuring quality portfolio by minimizing delinquency and rejection.
  • Extensive knowledge and understanding of retail assets, products, operations, and current market trends.
  • Identifying changing market trends, channel development for acquiring business, and providing high-quality customer service.
  • Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service.

Managerial & Leadership Responsibilities:

  • Mentor and coach senior team members to percolate the ethos of customer centricity, innovation, compliance, and integrity.
  • Create an environment for the team to focus on automation and digital enablement to fulfill customer needs holistically.
  • Attract and retain best-in-class talent to meet the Bank's rapid growth targets.

Education Qualification:

Graduation: Any Graduation

Post-graduation: Any Post-graduation

Experience: 5 to 10 years of experience in Personal Loans.


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