State Head-Cross Sell (Personal Loan)

Idfc First Bank Limited; Kendujhar; On-site; INR 4,000,000 - 7,000,000; Full time

Job summary

Idfc First Bank Limited seeks a State Head – SEPL to scale lending operations across the state by developing and executing strategies. You will lead cross-sell initiatives, guide product distribution, and drive efficiency through data analytics and automation, collaborating with IT, Credit, and BIU for seamless execution.

You will build high-performing teams, align with product and operations, and champion customer-centric delivery while maintaining cost efficiency and compliance.

Qualifications

• Leadership and team-building capabilities.
• Strong strategic thinking and execution skills.
• Deep understanding of lending products and customer behavior.
• Tech-savvy with a focus on digital transformation and automation.

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.

Skills

Leadership

Strategic thinking

Stakeholder management

Lending products knowledge

Digital transformation

Analytical mindset

Education

Graduate (Full-Time) – Any discipline

Job description

Job Requirements

About the Role TheState Head – SEPLwill 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 ResponsibilitiesPrimary 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 ForEducation

• 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