Debt Manager-Flows-Rural Assets

Role/ Job Title:Area Sales Manager - Home Loans

Function/ Department:Retail Banking

Job Purpose

The role entails scaling up the business for the Home Loan lending for a designated area by delivering banking needs to the customers in the most cost efficient and technology effective manner. Role will closely collaborate with Retail team - product head, operations, sales, Information technology, credit, business intelligence unit 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

• Acquisition of Home loan customers in the identified segment and reference generation from the specified catchment area.
• Grow the asset under management base for home loan lending solutions and ensure that the overall revenue, cost, profitability and portfolio quality targets are met.
• Collaborate with the product head home loan to ensure that the customers are offered the best-in-class solutions funding or multi-funding requirements and key direct sales team are appropriately incentivized.
• 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 relationship manager training, enablement, integration of alliance channels, improved turnaround time, focused intervention on low productivity locations etc.
• Ensure the successful adoption of internal compliances and regulatory framework across the business.
• Collaborate with the Head of Collections to drive down the net credit loss and delinquency metrics.
  
  
  

Education Qualification (Fulltime)

Graduation: Bachelor’s in engineering / Technology / Math’s / Commerce / Arts / Science / Biology / Business / Computers / Engineering / Management

Post-graduation: MBA, PGDM

Experience: 5 to 10 years of experience in home loans low-income group or middle-income group.