State Head-Home Loan and Suvidha LAP

Idfc First Bank Limited; Kolkata District; On-site; INR 2,500,000 - 4,000,000; Full time

Job summary

Idfc First Bank Limited invites applications for the role of State Head - Home Loan and Suvidha LAP. The incumbent will drive acquisition and growth of the Home Loan and Suvidha LAP portfolio by leveraging the bank’s customer base, leading a high-performing sales team, and ensuring superior customer experience across assigned geographies.

The role requires strong leadership, collaboration with branch banking, relationship managers, compliance with banking policies, and ongoing MIS reporting to

Qualifications

• 5–10 years in BFSI with secured/unsecured lending and sales leadership.
• Proven ability to source business through internal channels.
• Strong regulatory compliance and process optimization.

Responsibilities

• Drive acquisition of Home Loan and Suvidha LAP through internal channels.
• Lead a team of Sales Managers and Territory Managers.
• Train staff on product features, sales processes, and customer handling.

Skills

Leadership

Team Management

Sales & Target Achievement

Banking Knowledge BFSI

Regulatory Compliance

Customer Relationship Management

Lending Experience

Education

Graduate Degree

Postgraduate Degree

Professional Certifications

Job description

Job Requirements

Role/Job Title: State Head-Home Loan and Suvidha LAP

Business: Retail Banking

Function department: Home Loans

Job Purpose

State Head - Home Loan and Suvidha LAP, direct plays a pivotal role in driving the acquisition and growth of the Home Loan/Suvidha portfolio by leveraging the bank’s existing customer base. This role is responsible for sourcing business through internal channels, managing a high-performing sales team, and ensuring superior customer experience. The position demands strong leadership, cross-functional collaboration, and adherence to compliance standards to meet business targets across assigned geographies.

Key Responsibilities

Primary Responsibilities

• Business Acquisition
• Generate Home Loan leads and drive disbursements through the bank’s customer base across branches.
• Collaborate with branch banking, relationship managers, and internal teams to identify and convert potential customers.
• Ensure productivity norms are met for lead conversion and disbursal.
• Team Management & Training
• Lead and manage a team of Sales Managers and Territory Managers.
• Train and motivate team members and branch staff on product features, sales processes, and customer handling.
• Relationship Management
• Build strong relationships with branch heads and cross-functional teams to facilitate smooth lead generation and closures.
• Act as the single point of contact for Home Loan requirements of existing customers in the area.
• Process & Compliance
• Ensure adherence to bank policies, processes, and regulatory guidelines.
• Coordinate with credit, operations, and legal teams to expedite approvals and documentation.
• Reporting & MIS
• Track and report daily, weekly, and monthly business performance.
• Share market feedback and insights with senior management for strategic refinement.

Secondary Responsibilities

• Maintain strong knowledge of Home Loan/Suvidha products, lending norms, and documentation.
• Identify and convert sales opportunities from existing customer relationships.
• Promote digital enablement to fulfill customer needs holistically.
• Ensure high-quality customer service and cross-functional coordination.
• Support branches and teams in using banking systems and customer management platforms.

Education

• Graduate Degree: Any stream
• Postgraduate Degree: Any stream (preferred)
• Professional Certifications: Preferred but not mandatory

Experience

• 5-10 years of relevant experience in BFSI sector
• Prior experience in secured/unsecured lending, team management, and internal channel sourcing