Job Description

:Job Title - Regional Head -Personal Loan (DST)Business Unit - Retail BankingJob Purpose:The role entails scaling up the business for the Personal Loan lending for the designated region by developing strategies to expand the existing products, channels, segments and customer base by delivering banking needs to the customers in the most cost efficient and technology effective manner. It includes building up teams, systems, process and culture amenable to the scale and consistency of delivery. Role will closely collaborate with Retail team - Product Head, Operations, Sales, IT, Credit, BIU for same. This 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:

• Grow the AUM base for Personal Loan lending solutions and ensure that the overall revenue, cost, profitability and portfolio quality targets are met.
• Lead and direct the State Heads by providing strategic inputs and plans for distribution penetration in current markets as well as future geographic expansion
• Collaborate with the Product Head Personal Loan to ensure that the customers are offered the best in class solutions funding/multifunding requirements and key DST\'s are appropriately incentivised.
• Design channel mix strategy and develop constructive relationships with Digital marketplace partners and key alliances
• Design a fulfilling customer journey leading to customer delight and making IDFC_First their banking partner of choice.
• Oversee distribution channel success through RM training, enablement, integration of alliance channels, improved TAT, focused intervention on low productivity locations etc.
• Ensure the successful adoption of internal compliances & regulatory framework across the business
• Collaborate with the Head of Collections to drive down the net credit loss and delinquency metrics.

Managerial & Leadership Responsibilities:

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

Educational Qualifications:Graduate - AnyExperience:Minimum of 10+ Years in Personal Loan.

IDFC FIRST Bank