Debt Manager-Flows-Rural Assets

IDFC FIRST Bank; Ratlam; On-site; INR 1,400,000 - 2,200,000; Full time

Job summary

IDFC FIRST Bank is seeking an Area Sales Manager - Home Loans in India to scale up the home loan business across a designated area. You will acquire Home loan customers, grow assets under management, and collaborate with product and sales teams to offer best-in-class funding solutions.

You will design channel strategies and manage alliances to ensure customer delight and strong portfolio performance. The role requires 5–10 years in home loans within low- to middle-income segments and a degree

Qualifications

• Graduation in listed fields is required.
• MBA/PGDM preferred for leadership roles.
• 5–10 years of experience in home loans for low- to middle-income groups.

Responsibilities

• Acquire Home loan customers in the identified catchment area.
• Grow assets under management for home loan lending and meet revenue targets.
• Collaborate with product head to offer funding solutions and incentivize direct sales team.
• Design channel mix strategy and build relationships with digital marketplace partners.
• Lead customer journey to deliver a fulfilling banking experience and drive adoption of IDFC FIRST as the primary bank.
• Oversee distribution channel success through RM training and alliance integration.
• Ensure compliance with internal regulations and regulatory framework.
• Collaborate with Head of Collections to reduce net credit loss and delinquencies.

Skills

Sales skills

Customer onboarding

Team coordination

Digital channels

Education

Bachelor's degree in Engineering/Technology/Commerce

MBA/PGDM

Job description

Job Description:

Job Requirements

Role/ Job Title: Area Sales Manager - Home Loans

Function/ Department: Retail Banking

Job Purpose:

The role entails scaling up the business for the Home Loan lending for a designated area by delivering banking needs to the customers in the most cost efficient and technology effective manner. Role will closely collaborate with Retail team - product head, operations, sales, Information technology, credit, business intelligence unit for same. This role encapsulates the responsibility of providing a seamless and fulfilling customer experience and ensuring IDFC First becomes the primary bank for all banking needs.

Roles & Responsibilities:

• Acquisition of Home loan customers in the identified segment and reference generation from the specified catchment area.
• Grow the asset under management base for home loan lending solutions and ensure that the overall revenue, cost, profitability and portfolio quality targets are met.
• Collaborate with the product head home loan to ensure that the customers are offered the best-in-class solutions funding or multi-funding requirements and key direct sales team are appropriately incentivized.
• Design channel mix strategy and develop constructive relationships with digital marketplace partners and key alliances.
• Design a fulfilling customer journey leading to customer delight and making IDFC FIRST their banking partner of choice.
• Oversee distribution channel success through relationship manager training, enablement, integration of alliance channels, improved turnaround time, focused intervention on low productivity locations etc.
• Ensure the successful adoption of internal compliances and regulatory framework across the business.
• Collaborate with the Head of Collections to drive down the net credit loss and delinquency metrics.

Education Qualification (Fulltime):

Graduation: Bachelor’s in engineering / Technology / Math’s / Commerce / Arts / Science / Biology / Business / Computers / Engineering / Management

Post-graduation: MBA, PGDM

Experience:

5 to 10 years of experience in home loans low-income group or middle-income group.