State Head-Business Loan

Idfc First Bank Limited; Surat; Sur place; INR 6 000 000 - 9 000 000; Plein temps

Résumé du poste

Idfc First Bank Limited is seeking a State Head - BIL to scale lending across the state by building teams, processes and a culture of scalable delivery. You will collaborate with Product, Operations, Sales, IT, Credit and BIU to ensure seamless customer experiences and drive growth through channels and a customer-first approach.

The role requires 5+ years in retail banking or financial services with strong leadership and a strategic execution mindset to deliver consistent results.

Qualifications

• Postgraduate (Full-Time) MBA in Finance preferred.

Responsabilités

• Lead a team of Relationship Managers to drive assigned target(s).
• Maintain and empanel DSA's / Channel(s) for business delivery.
• Visit Channels / DSA's along with team and drive performance.
• Leverage the bank's digital capabilities and drive performance for Channels and RM.
• Achieve and overachieve designated targets on a monthly basis.
• Take ownership of the customer and foster a customer-first approach.
• Guide cross-sell distribution to achieve volume targets.
• Collaborate with Digital Marketing to enhance customer acquisition through digital channels.
• Monitor portfolio performance and quality, providing actionable insights to Product and Sales.
• Support Product team in the Business Loan category to develop differentiated offerings.
• Demonstrate ability to build, lead and motivate high-performing teams.

Connaissances

Leadership

Team-building

Stakeholder management

Strategic thinking

Digital banking

Formation

MBA in Finance

Description du poste

Job Requirements

About the Role

The State Head -BIL will be responsible for scaling the lending business across the state by developing and executing strategies to expand products, channels, customer segments, and the overall customer base. The role focuses on delivering banking solutions in a cost-efficient and technology-driven manner while building robust teams, systems, processes, and a culture that supports consistent and scalable delivery. This position requires close collaboration with cross-functional teams including Product, Operations, Sales, IT, Credit, and Business Intelligence Units (BIU) to ensure a seamless and fulfilling customer experience, positioning IDFC FIRST Bank as the primary banking partner.

Key Responsibilities

Primary Responsibilities

• Lead a team of Relationship Managers to drive assigned target(s).
• Maintain and empanel DSA's / Channel(s) for business delivery
• Visit Channels / DSA's along with team and drive performance
• Leverage the bank's Digital leading capabilities and drive performances both for Channels as well as Relationship Manager
• Achieve and overachieve designated target(s) on a consistently monthly basis.
• Take ownership of the customer and foster customer fist approach
• Guide the distribution of cross-sell products to achieve volume targets.
• Collaborate with the Digital Marketing team to enhance customer acquisition through digital channels.
• Monitor portfolio performance and quality, providing actionable insights and recommendations to Product and Sales teams.
• Support the Product team in the Business Loan category to develop differentiated offerings and accelerate business growth.
• Demonstrate ability to build, lead and motivate high-performing teams.

Secondary Responsibilities

• Mentor and coach senior team members to instill a culture of customer centricity, innovation, compliance, and integrity.
• Foster an environment focused on automation and digital enablement to holistically meet customer needs.
• Attract and retain top-tier talent to support the bank's rapid growth objectives.

What We Are Looking For

Education

• Postgraduate (Full-Time) - MBA in Finance preferred

Experience

• Minimum of 5 years of experience in retail banking, lending, or related financial services.

Skills and Attributes

• Strong leadership and team-building capabilities.
• Strategic thinking with a focus on execution and results.
• Excellent stakeholder management and collaboration skills.
• Deep understanding of lending products and digital banking solutions.
• Ability to drive innovation and process improvement.