Area Head - Unnati MBL
IDFC FIRST Bank — Mumbai, MUMBAI
Apply Now
Job Description
Job Criteria Position/ Job Title: Area Head - Unnati MBL
Business: Unnati MBL
Function/Department: Unnati MBL
Job Purpose
'This job involves leading and scaling the Unnati Micro Business Loan business spanning assigned branches by formulating and executing strategies to drive business expansion. The incumbent is in charge of running operations and optimizing resources with a solid centre on cost streamlining and technology adoption. A main aspect of the job includes creating strategic relationships with local dealers to position the bank as their preferred financial partner, thereby increasing business volumes. The position encompasses expanding branch presence, enhancing product penetration, and securing exceptional customer service delivery. It demands close coordination with product and operations teams to equip effective customer acquisition, servicing, and relationship deepening. In addition, the position is accountable for establishing high-undertaking teams, implementing effective systems and processes, and nurturing a customer-centric culture. The incumbent will also be accountable for producing customer and employee satisfaction goals, with full P&L ownership, contributing significantly to the overarching objectives of the bank.
Roles & Responsibilities
'• Own the P&L of the assigned branches, overseeing all aspects of operations, among them distribution, sales, customer service, and administration.
• Drive business performance by building and executing region-specific strategies to reach and surpass business goals and revenue targets.
• Ensure sustainable profitability throughout 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 secure governance, control, and streamlining.
• Analyse market dynamics and competition, offering valuable observations and feedback to product teams for continuous improvement and innovation.
• Lead a team of RMs to drive customer acquisition, deepen existing relationships, and hand over a comprehensive suite of product services.
• Monitor loan collections and recoveries, guaranteeing healthy portfolio performance and minimal delinquencies.
• See to it that pricing, processes, and policies are aligned with organizational objectives and market competitiveness.
• Collaborate with Risk and Credit teams to assess and upgrade portfolio quality and proactively address any risk exposures.
• Conduct periodic field audits and customer verifications to sustain operational integrity and compliance.
• Reach key metrics such as productivity, effectiveness, financial performance, customer satisfaction, and compliance with regulatory standards.
• Create team capabilities to cross-sell and upsell multiple banking products throughout a range of locations.
• Share best practices and competitive intelligence with other regions and clusters to foster grasp exchange and consistent performance.
• Uphold high ethical standards and guarantee adherence to all statutory and regulatory guidelines.
• Foster relationships with individual and institutional clients to enhance loyalty and long-term engagement.
• Lead manpower planning, recruitment, and training initiatives for both on-roll and off-roll staff to create a high-carrying out, 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 effectiveness and customer convenience.
• Work together with internal teams and departments to provide holistic solutions to customers over the service spectrum.
Secondary Responsibilities
'• Create team capabilities to cross-sell and upsell multiple banking products throughout a range of locations.
• Share best practices and competitive intelligssence with other regions and clusters to foster grasp exchange and consistent performance.
• Uphold high ethical standards and guarantee 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.
• Liaise with internal teams and departments to hand over holistic solutions to customers throughout the service spectrum.
Education
Graduate
Experience
10-18 Years
Based in Hanumangarh, this Area Head - Unnati MBL role is part of IDFC FIRST Bank.
Frequently Asked Questions
What are the eligibility criteria for the Area Head - Unnati MBL job at 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.
What are the primary responsibilities of a Area Head - Unnati MBL at IDFC FIRST Bank?
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.
Is prior experience required for this position?
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.
What skills are important for this role?
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.
How do I apply for the Area Head - Unnati MBL role at IDFC FIRST Bank?
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.
Chat us
Call us