Cluster Manager-Credit Cards

IDFC FIRST Bank; Panaji; On-site; INR 800,000 - 1,200,000; Full time

Job summary

IDFC FIRST Bank is seeking a Cluster Manager – Credit Cards in Panaji, Goa. This role involves managing teams to achieve sales targets, ensuring legal compliance, and optimizing credit card product distribution. The ideal candidate should have a minimum of 3 years in credit card sales and possess a graduate degree, with preference for an MBA. Strong leadership and analytical skills are essential. The position promises growth opportunities and the chance to lead a dedicated team in a dynamic environment.

Qualifications

• Minimum of 3 years experience in credit card sales and distribution management.
• Graduate degree required; MBA preferred.

Responsibilities

• Manage a team of sales personnel across mapped geographies.
• Drive sales and optimize product mix for credit card customers.
• Implement distribution plans and manage acquisition channels.

Skills

Strong leadership and team management skills

Excellent understanding of credit card products

Ability to implement compliance frameworks

Effective communication skills

Analytical mindset

Education

Graduate – Any discipline

Post Graduate – MBA preferred

Job description

Job Requirements

About the Role

The Cluster Manager – Credit Cards is responsible for managing a team of Sales Managers, Relationship Managers, Sales Officers, and backend sales staff across designated geographies. The role involves driving sales, managing costs, optimizing product mix, and building a critical mass of credit card customers. The Cluster Manager will implement distribution plans, establish channel infrastructure, and ensure regulatory and legal compliance across all customer touchpoints. This role also focuses on mentoring team members and maintaining high standards of customer service and operational efficiency.

Key Responsibilities

Primary Responsibilities

• Manage a team of Sales Managers, Relationship Managers, Sales Officers, and backend sales staff across mapped geographies.
• Drive sales, cost efficiency, and product mix targets to build a critical mass of credit card customers.
• Implement distribution plans across geographies and manage multiple acquisition channels.
• Establish distribution and channel infrastructure including retail, online, and fintech platforms.
• Identify and enroll third-party payroll and infrastructure service providers.
• Own and drive quality parameters such as approval rates, First Time Right (FTR), Turnaround Time (TAT), and process adherence.
• Ensure implementation of regulatory and legal compliance frameworks across all customer touchpoints and business teams.

Secondary Responsibilities

• Collaborate with internal stakeholders (Product, Credit, Policy, IT, Operations) to develop implementation plans.
• Evaluate growth strategies based on competitor analysis and channel/customer feedback.
• Recommend process changes to improve sales efficiency and quality across acquisition channels.

What We Are Looking For

Education

• Graduate – Any discipline
• Post Graduate – MBA preferred

Experience

• At least 3 years of experience in credit card sales and distribution management.

Skills and Attributes

• Strong leadership and team management skills.
• Excellent understanding of credit card products and customer acquisition strategies.
• Ability to implement compliance frameworks and drive operational efficiency.
• Effective communication and stakeholder management skills.
• Analytical mindset with the ability to evaluate growth strategies and process improvements.