Debt Manager-Flows-Rural Assets
About this role
Job Requirements
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.
Company at a glance
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Formed in December 2018 through the merger of infrastructure finance giant IDFC Bank and retail finance specialist Capital First, we commenced commercial banking operations in 2016. Our core principles:
Vision: Building a world-class bank in India, driven by ethical, customer-friendly, digital, and socially responsible banking principles.
Universal Bank: Offering a comprehensive range of services like Retail, MSME, Rural, Startups, Cash & Wealth Management, Deposits, Corporate & Government Banking, Working Capital, Trade Finance, and Treasury Solutions.
Ethical Banking: We follow a 'Near and Dear' test, ensuring products are customer-friendly enough for employees to recommend to loved ones. We simplify legal jargon for clarity and offer 'ZERO FEE Banking' on all savings account services like SMS alerts, IMPS, RTGS, NEFT, ATM withdrawals, and more, making it India’s 1st & only bank to do so.
Customer-Friendly Banking: IDFC FIRST Bank credits monthly interest on savings accounts, offers lifetime-free credit cards with non-expiring rewards and transparent fees.
Technology-led Banking: Seamless services across mobile, branches, internet banking, call centres, & relationship managers. Our mobile app, with 250+ features, is rated 4.8 on Google Play & the App Store.
Global rating agency Forrester ranked it India’s best & among the world’s top 20 for two consecutive years.
Social Good Banking: Focusing on financial inclusion, we serve 40M+ customers, with 16M lifestyle improvement loans,15M loans to 4.3M women entrepreneurs, 6.5M vehicle loans, 1M each for sanitation & livelihood, 300K SME, and 100K home loans.
ESG Goals: We hold high ESG scores, demonstrating our commitment to financial inclusion & social responsibility.
Creating a new-age, ethical and world-class institution for India is a privilege for its employees.
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