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Job/ Job Title: Area Head - Affordable HL
Function/ Department: Affordable Mortgage Loans
'This post involves leading and scaling the Affordable Home Loan business throughout assigned branches by formulating and executing strategies to drive business development. The incumbent is tasked with overseeing operations and optimizing resources with a robust specialise in cost productivity and technology adoption. A core aspect of the post includes developing strategic relationships with local dealers to position the bank as their preferred financial partner, thereby increasing business volumes. The job encompasses expanding branch presence, enhancing product penetration, and ensuring exceptional customer service delivery. It demands close coordination with product and operations teams to allow effective customer acquisition, servicing, and relationship deepening. In addition, the job is accountable for creating high-carrying out teams, implementing effective systems and processes, and nurturing a customer-centric culture. The incumbent will also be in charge of handing over customer and employee satisfaction goals, with full P&L ownership, contributing significantly to the overarching objectives of the bank.
'• Own the P&L of the assigned branches, overseeing all aspects of operations, such as distribution, sales, customer service, and administration.
• Drive business performance by creating and executing region-specific strategies to deliver on and surpass business goals and revenue targets.
• Guarantee sustainable profitability over both asset and liability products by optimizing product mix and pricing strategies.
• Act as the custodian of people, processes, and documentation for the branches in the region, with a responsibility to ensure governance, control, and productivity.
• Analyse market dynamics and competition, delivering valuable perspectives and feedback to product teams for continuous improvement and innovation.
• Lead a team of RMs to drive customer acquisition, deepen existing relationships, and provide a comprehensive suite of product services.
• Monitor loan collections and recoveries, securing healthy portfolio performance and minimal delinquencies.
• Ensure that pricing, processes, and policies are aligned with organizational objectives and market competitiveness.
• Collaborate with Risk and Credit teams to assess and enhance portfolio quality and proactively address any risk exposures.
• Reach key metrics such as productivity, effectiveness, financial performance, customer satisfaction, and compliance with regulatory standards.
• Conduct periodic field audits and customer verifications to keep up operational integrity and compliance.
• Foster relationships with individual and institutional customers to enhance loyalty and long-term engagement.
• Lead manpower planning, recruitment, and training initiatives for both on-roll and off-roll staff to establish a high-undertaking, future-ready workforce.
• Evaluate and implement new initiatives related to products, channels, and processes to boost operational productivity and customer convenience.
'• Establish team capabilities to cross-sell and upsell multiple banking products spanning several locations.
• Share best practices and competitive intelligence with other regions and clusters to foster know-how exchange and consistent performance.
• Uphold high ethical standards and ensure adherence to all statutory and regulatory guidelines.
• Drive livelihood development and community upliftment initiatives, aligning with the bank’s broader social responsibility goals.
• Empower team by offering continuous training, coaching, and mentorship to enhance productivity and service quality.
• Collaborate with internal teams and departments to produce holistic solutions to customers spanning the service spectrum.
Graduate
10-18 Years
This is a Lucknow-based Area Head - Affordable HL opportunity with IDFC FIRST Bank.
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 5-10 Years years of relevant experience expected for this role.
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Area Head - Affordable HL at IDFC FIRST Bank.
This role requires around 5-10 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
You can apply directly using the Apply Now button on this page, which will take you to IDFC FIRST Bank's application process for this role.