Job Requirements
About the Role
The
State Head – SEPL is a senior leadership role responsible for scaling the Business Loan & Self-Employed Professional Loan (SEPL) business across the designated state. This includes developing strategies to expand product offerings, customer segments, and distribution channels while ensuring cost-effective and technology-enabled delivery. The role involves building high-performing teams, robust systems, and a scalable culture. The incumbent will collaborate closely with cross-functional teams including Product, Sales, Operations, Credit, IT, and BIU to deliver a seamless customer experience and position IDFC FIRST Bank as the preferred banking partner.
Key Responsibilities
Primary Responsibilities
- Lead the SEPL business across the state to drive revenue growth and customer penetration.
- Guide cross-sell product distribution to ensure volume scale-up in line with defined targets.
- Partner with the Digital Marketing team to enhance customer acquisition through digital channels.
- Build and nurture strategic partnerships with key dealers, OEMs, and channel/product partners to increase portfolio penetration.
- Monitor portfolio performance and quality and provide actionable insights to Product and Sales teams for course correction.
- Collaborate with the Product team to develop differentiated offerings in the Business Loan category.
- Work with the Business Analytics team to identify cross-sell opportunities and market potential.
- Demonstrate ability to build, lead and motivate high-performing teams.
Secondary Responsibilities
- Foster a team culture focused on digital enablement to holistically meet customer needs.
- Drive initiatives aligned with the bank's rapid growth targets and strategic objectives.
Managerial & Leadership Responsibilities
- Mentor and coach team members to instill values of customer centricity, innovation, compliance, and integrity.
- Create an environment that supports automation and digital transformation.
- Attract and retain top-tier talent to support the bank's growth ambitions.
What We Are Looking For
Education
- Graduation: Any discipline (Full-Time)
- Postgraduation: MBA in Finance (Full-Time, Preferred)
Experience
- Minimum 8+ years of relevant experience in lending, preferably in Self-Employed Professional Loans or Business Loans.
Skills and Attributes
- Strong strategic thinking and execution capabilities.
- Deep understanding of lending products and customer segments.
- Proven leadership and team management experience.
- Excellent stakeholder management and cross-functional collaboration.
- High compliance orientation and focus on portfolio quality.
- Tech-savvy with a mindset for digital innovation and customer experience.
