State Head-Cross Sell Personal Loan

Idfc First Bank Limited; Bihar Sharif; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

IDFC First Bank Limited seeks a State Head – SEPL to scale lending operations across the state, build high-performing teams, and drive cost-efficient, technology-driven banking solutions. The role collaborates with Product, Operations, Sales, IT, Credit and BIU to ensure seamless execution and strong customer satisfaction.

Focused on expanding products, channels and customer segments, this leadership position aims to position the bank as the primary banking partner for customers with a

Qualifications

• Graduate with a full-time degree in any discipline.
• 5–10 years of relevant experience in retail banking, lending or financial services.
• Proven leadership and team-building capabilities.

Responsibilities

• Lead the state-level cross sell loan business to drive revenue growth per customer.
• Strategically guide the distribution of cross-sell products to achieve volume targets.
• Monitor portfolio performance and quality, and provide actionable insights to Product and Sales teams for improvement.
• Work with the Business Analytics team to identify cross-sell opportunities.
• Drive key conversion efficiency metrics of cross sell business
• Resourcing and deployment of manpower for servicing the leads
• Implement operational and credit policy at sourcing stage of applications
• Mentor and coach senior team members to foster customer centricity and integrity.
• Promote automation and digital enablement to deliver holistic customer solutions.

Skills

Leadership

Strategic thinking

Stakeholder management

Lending products

Digital transformation

Analytical mindset

Education

Graduate (Full-Time) – Any discipline

Job description

Job Description

Job Requirements

About the Role

The State Head – SEPL will be responsible for scaling lending operations across the state by developing and executing strategies to expand products, channels, customer segments, and overall reach. The role demands a strong focus on cost efficiency and technology-driven solutions to meet customer banking needs. It involves building high-performing teams, robust systems, and a delivery-oriented culture. The role will work in close collaboration with cross-functional teams including Product, Operations, Sales, IT, Credit, and BIU to ensure seamless execution and customer satisfaction. The goal is to position IDFC First Bank as the primary banking partner for customers.

Key Responsibilities

Primary Responsibilities

• Lead the state-level cross sell loan business to drive revenue growth per customer.
• Strategically guide the distribution of cross-sell products to achieve volume targets.
• Monitor portfolio performance and quality, and provide actionable insights to Product and Sales teams for improvement.
• Work with the Business Analytics team to identify cross-sell opportunities.
• Drive key conversion efficiency metrics of cross sell business
• Resourcing and deployment of manpower for servicing the leads
• Implement operational and credit policy at sourcing stage of applications

Secondary Responsibilities

• Mentor and coach senior team members to foster a culture of customer centricity, innovation, compliance, and integrity.
• Promote automation and digital enablement to deliver holistic customer solutions.
• Attract and retain top talent to support the bank’s rapid growth objectives.

What We Are Looking For

Education

• Graduate (Full-Time) – Any discipline

Experience

• Minimum of 5-10 years of relevant experience in retail banking, lending, or financial services.

Skills and Attributes

• Proven leadership and team-building capabilities
• Strong strategic thinking and execution skills
• Excellent stakeholder management and collaboration abilities
• Deep understanding of lending products and customer behavior
• Tech-savvy with a focus on digital transformation and automation
• Analytical mindset with the ability to interpret data and drive decisions