Job Requirements
About the Role
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.
Key Responsibilities
Primary 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.
Secondary Responsibilities
- 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.
What We Are Looking For
Education
- Graduate Any
- Post Graduate Any
Experience
- Relevant years of experience in Credit Cards.
Skills and Attributes
- Strong understanding of Credit Card products and customer acquisition strategies.
- Ability to collaborate effectively with cross-functional teams.
- Customer-centric approach with a focus on service quality.
- Excellent communication and interpersonal skills.
- Analytical mindset with the ability to identify trends and recommend improvements.
