Job Requirements
Job Title: Territory Manager-Credit Cards
Department/Function: Credit Cards
Job Purpose
The Territory Manager – Credit Cards is responsible for scaling up the business for Credit Card lending within a designated area by delivering banking solutions to customers in a cost-efficient and technology-driven manner. The role involves close collaboration with the Retail team including Product Head, Operations, Sales, IT, Credit, and BIU. The Territory Manager ensures a seamless and fulfilling customer experience, positioning IDFC First as the primary bank for all banking needs.
Roles & Responsibilities
- Acquire Credit Card customers in the identified segment and generate references from the specified catchment area.
- Grow the AUM base for Credit Card lending solutions and ensure revenue, cost, profitability, and portfolio quality targets are met.
- Collaborate with the Product Head – Credit Cards to offer best-in-class solutions for funding/multi-funding requirements and appropriately incentivize key DSTs.
- Ensure portfolio quality by minimizing delinquency and rejection rates.
- Demonstrate extensive knowledge and understanding of retail assets, products, and operations.
- Identify changing market trends and develop channels for acquiring business while providing high-quality customer service.
- Design a fulfilling customer journey to achieve customer delight and make IDFC First the preferred banking partner.
- Ensure successful adoption of internal compliance and regulatory frameworks across the business.
- Recommend process changes to improve service efficiency and quality across the assigned area.
- Suggest improvements to processes and policies across Retail Banking to drive operational efficiencies and high-quality customer service.
- Leverage in-house synergies through collaboration with internal stakeholders.
Education
Graduation: Bachelor of Commerce (B.com) / Bachelor of Science (B.Sc) / Bachelor of Arts (BA) / Bachelor of Business & Insurance (BBI) / Bachelor of Management Studies (BMS)
Post-Graduation: Master of Business Administration (MBA) / Master of Commerce (M.com) / Master of Arts (MA)
Experience: 5 - 10years of relevant experience
