Territory Manager-Cross Sell Personal Loan

Job Requirements

Job Description

Job Title – National Sales Manager-Cross Sell (Personal Loan)

Place of work – Mumbai

Business Unit – Retail Banking

Function – Credit

Job Purpose:

The role entails contributing towards Sales volume for Home loans business and building a good book within the branch.Ensuring portfolio quality and compliance for Home Loan business for the bank at a pan India level.

The role entails scaling up the business for Personal Loan in the state 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. The role will closely collaborate with the Product Head to ensure development of a market leading solutions. The role is responsible for Asset Book growth and will develop strategies to drive product penetration while maintaining overall portfolio quality requirement. It has a P&L responsibility for the Personal Loan lending business contributing to the larger organizational objectives of the bank..

Roles & Responsibilities:

Acquisition of Cross sell Personal Loan customers in the identified segment and reference generation from the specified catchment area

Ensuring quality portfolio by minimizing delinquency and rejection

Extensive knowledge and understanding of retails assets, products and operations

Identifying the changing market trends, channel development for acquiring business and provide high quality customer service

Design a fulfilling customer journey leading to customer delight and making IDFC FIRST their banking partner of choice

Ensure the successful adoption of internal compliances and regulatory framework across the business.

Secondary Responsibilities :

Recommend improvements to processes and policies across the supporting teams and business to drive operational efficiencies & high quality customer services

Managerial & Leadership Responsibilities :

Monitor key parameters on RM productivity, hiring quality and attrition rates and make necessary improvements

Champion IDFC Firsts customer first culture by driving the team to take up high degree servicing norms to ensure absolute customer delight

Attract and retain best-in-class talent for key roles in their reporting structure

Drive co-operation with the credit, technology, analytics and risk teams to ensure smooth functioning of business

Ensure that RMs adhere to benchmarks/processes set up for finalizing commercials and other key parameters

Key Success Metrics:

Disbursals, Growth metrics, Productivity

Educational Qualifications:        

Graduate – Any

Post Graduate – MBA Finance

Experience: Minimum of 14+ Years preferably in credit