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Post/ Job Title: Area Head - Unnati MBL
Function/ Department: Unnati MBL
'This position involves leading and scaling the Unnati Micro Business Loan business over assigned branches by formulating and executing strategies to drive business progress. The incumbent is accountable for handling operations and optimizing resources with a sound concentrate on cost effectiveness and technology adoption. A key aspect of the position includes establishing strategic relationships with local dealers to position the bank as their preferred financial partner, thereby increasing business volumes. The post encompasses expanding branch presence, enhancing product penetration, and guaranteeing exceptional customer service delivery. It demands close coordination with product and operations teams to empower effective customer acquisition, servicing, and relationship deepening. In addition, the post is accountable for developing high-executing teams, implementing effective systems and processes, and nurturing a customer-centric culture. The incumbent will also be tasked with providing 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, covering distribution, sales, customer service, and administration.
• Drive business performance by shaping and executing region-specific strategies to attain and surpass business goals and revenue targets.
• Secure sustainable profitability spanning 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 guarantee governance, control, and effectiveness.
• Analyse market dynamics and competition, giving valuable findings and feedback to product teams for continuous improvement and innovation.
• Lead a team of RMs to drive customer acquisition, deepen existing relationships, and produce a comprehensive suite of product services.
• Monitor loan collections and recoveries, ensuring healthy portfolio performance and minimal delinquencies.
• Make sure that pricing, processes, and policies are aligned with organizational objectives and market competitiveness.
• Collaborate with Risk and Credit teams to assess and strengthen portfolio quality and proactively address any risk exposures.
• Conduct periodic field audits and customer verifications to keep up operational integrity and compliance.
• Attain core metrics among them productivity, productivity, financial performance, customer satisfaction, and compliance with regulatory standards.
• 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.
• 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.
• 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.
• Evaluate and implement new initiatives related to products, channels, and processes to boost operational productivity and customer convenience.
• Liaise with internal teams and departments to hand over holistic solutions to customers throughout the service spectrum.
'• 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
5-10 Years
Location for this Area Head - Unnati MBL opening: Jaipur.
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 - Unnati MBL 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.