Job Requirements
About the Role
Regional Head-Personal Loan (DST) is responsible for scaling the Business Loan lending business across a designated region by developing and executing strategies to expand products, channels, customer segments, and overall reach. The role focuses on delivering banking solutions in a cost-efficient and technology-driven manner, while building high-performing teams, robust systems, and a delivery-oriented culture. The Regional Head will collaborate closely with cross-functional teams including Product, Operations, Sales, IT, Credit, and BIU to ensure seamless execution and customer satisfaction.
Key Responsibilities
Primary Responsibilities
- Grow the AUM base for Business Loan lending and ensure achievement of revenue, cost, profitability, and portfolio quality targets.
- Lead and guide State Heads with strategic inputs for deeper distribution penetration and geographic expansion.
- Collaborate with the Product Head Business Loan to deliver tailored funding solutions and ensure DSTs are appropriately incentivized.
- Design and implement channel mix strategies, and build strong relationships with digital marketplace partners and key alliances.
- Create a seamless and fulfilling customer journey to position IDFC First Bank as the preferred banking partner.
- Oversee distribution channel success through RM training, channel integration, improved TAT, and focused interventions in low-productivity locations.
- Ensure adherence to internal compliance and regulatory frameworks across the business.
- Partner with the Head of Collections to reduce net credit loss and delinquency metrics.
What We Are Looking For
Education
Experience
- Minimum of 8 years of relevant experience in retail banking, lending, or financial services.
Skills and Attributes
- Strategic thinking and execution capabilities
- Strong leadership and team management skills
- Excellent stakeholder engagement and relationship-building abilities
- Deep understanding of business loan products and customer behaviour
- Tech-savvy with a focus on digital enablement
- Analytical mindset with data-driven decision-making skills
Managerial & Leadership Responsibilities
- Mentor and coach senior team members to foster a culture of customer centricity, innovation, compliance, and integrity.
- Create an environment focused on automation and digital enablement to meet customer needs holistically.
- Attract and retain top talent to support the bank's rapid growth objectives.
