Sales Manager-Consumer Durable Loan Open Market

Idfc First Bank Limited; Ludhiana; Sur place; INR 600 000 - 800 000; Plein temps

Résumé du poste

IDFC First Bank Limited is seeking a State Head-Consumer Durable Loan Open Market to lead sourcing via Direct Sales Teams and dealerships, grow the loan portfolio, and ensure risk controls. The role involves team leadership, strategic market development, and collaboration with collections to manage delinquency and credit losses.

The candidate should have graduate education, 0–2 years in retail banking, and strong communication and relationship-building skills to drive business growth while

Qualifications

• Graduate in any discipline (Full-time) required.
• Postgraduate qualification preferred for the role.
• Experience in retail banking is beneficial.

Responsabilités

• Recruitment and training of Direct Sales Teams (DSTs) and onboarding dealerships or stores.
• Source and manage business through DSTs and Dealerships; acquire new customers and ensure loan disbursement.
• Maintain portfolio quality by minimizing delinquencies and staying updated on market trends.

Connaissances

Strategic thinking

Analytical skills

Communication

Team management

Relationship building

Digital banking

Integrity & execution

Formation

Graduate (Full-time)

Postgraduate qualification preferred

Description du poste

Job Description:

Job Requirements

About the Role

The State Head-Consumer Durable Loan Open Market is responsible for sourcing loans through Direct Sales Teams (DSTs), and existing Dealerships or Stores, while building and maintaining a high-quality loan portfolio. This role involves managing a team, fostering strong relationships, and ensuring effective communication across various channels. The role holder must ensure strict adherence to internal policies and regulatory guidelines, balancing business growth with risk management to support the broader objectives of the bank.

Key Responsibilities

Primary Responsibilities

• Recruitment and training of DSTs and onboarding dealerships or stores.
• Source and manage business through DSTs and Dealerships
• Acquire new customers and ensure consistent loan disbursement volumes.
• Maintain a high-quality loan portfolio by minimizing delinquencies and rejections.
• Stay updated on retail asset products, operations, and current market trends.
• Identify evolving market dynamics and develop strategies for channel development and customer acquisition.
• Deliver high-quality customer service and ensure customer satisfaction.
• Recommend improvements to sales processes and policies to enhance operational efficiency and service quality.
• Work closely with Collection team to reduce net credit loss and delinquency rates.

Secondary Responsibilities

• Collaborate with internal teams to support automation and digital initiatives.
• Contribute to the bank’s growth targets by supporting strategic sales and service initiatives.

What We Are Looking For

Education

• Graduate in any discipline (Full-time).
• Postgraduate qualification is preferred.

Experience

• 0-2 years of relevant experience in retail banking,

Skills and Attributes

• Strong strategic and analytical thinking.
• Excellent communication, Team management, and relationship-building skills.
• Ability to drive business growth while maintaining portfolio quality and compliance.
• Understanding of digital banking.
• High level of integrity and execution orientation.

Requirements: