Job Description
Job Requirements
About the Role
The Regional Head Business Loan is a senior leadership role responsible for scaling the Business Loan portfolio across a designated region. The role involves developing and executing strategies to expand product offerings, customer segments, and distribution channels while ensuring cost-effective and technology-enabled delivery. The incumbent will lead cross-functional collaboration with teams such as Product, Sales, Credit, Operations, IT, and BIU to deliver a seamless customer experience and position IDFC FIRST Bank as the preferred banking partner for business clients.
Key Responsibilities
Primary Responsibilities
• Drive growth in Assets Under Management (AUM) for Business Loan solutions while meeting revenue, cost, profitability, and portfolio quality targets for the assigned Region.
• Provide strategic direction to State Heads for deeper Channel DSA distribution penetration and geographic expansion (Coverage).
• Collaborate with the Product Head / Product Team Business Loan to co-create deliver best-in-class Lending solutions, leading to customer satisfaction and ensure team(s) are appropriately incentivized.
• Design and implement channel mix strategies, including partnerships with digital marketplaces and key alliances.
• Oversee distribution success through RM training, channel activation, productivity enhancement, and digital adoption turnaround time (TAT) improvements.
• Ensure adoption and implementation of internal compliance and regulatory frameworks across the business.
• Work closely with the Credit and Collection teams to reduce net credit loss and delinquency rates.
• Demonstrate ability to build, lead and motivate high-performing teams.
Secondary Responsibilities
• Design a customer journey that drives satisfaction and positions IDFC FIRST Bank as the primary banking partner.
• Promote digital enablement and automation to enhance customer experience and operational efficiency.
• Support cross-functional initiatives to improve service delivery and business outcomes.
Managerial & Leadership Responsibilities
• Mentor and coach senior team members to foster a culture of customer centricity, innovation, compliance, and integrity.
• Create an environment that attracts and retains top-tier talent aligned with the bank's growth ambitions.
• Champion data-driven decision-making and performance tracking across the region.
What We Are Looking For
Education
• Postgraduation: MBA in Finance (Preferred)
Experience
• Minimum 8 years of relevant experience in Business Loan or SME lending, with proven leadership capabilities.
Skills and Attributes
• Strategic thinking and execution excellence.
• Strong understanding of competition business lending products and customer needs.
• Proven ability to lead large teams and spread out and drive performance.
• Excellent stakeholder management and cross-functional collaboration.
• Compliance-oriented with a focus on portfolio quality and risk management.
• Tech-savvy with a mindset for digital transformation and innovation
About the Role
The Regional Head Business Loan is a senior leadership role responsible for scaling the Business Loan portfolio across a designated region. The role involves developing and executing strategies to expand product offerings, customer segments, and distribution channels while ensuring cost-effective and technology-enabled delivery. The incumbent will lead cross-functional collaboration with teams such as Product, Sales, Credit, Operations, IT, and BIU to deliver a seamless customer experience and position IDFC FIRST Bank as the preferred banking partner for business clients.
Key Responsibilities
Primary Responsibilities
• Drive growth in Assets Under Management (AUM) for Business Loan solutions while meeting revenue, cost, profitability, and portfolio quality targets for the assigned Region.
• Provide strategic direction to State Heads for deeper Channel DSA distribution penetration and geographic expansion (Coverage).
• Collaborate with the Product Head / Product Team Business Loan to co-create deliver best-in-class Lending solutions, leading to customer satisfaction and ensure team(s) are appropriately incentivized.
• Design and implement channel mix strategies, including partnerships with digital marketplaces and key alliances.
• Oversee distribution success through RM training, channel activation, productivity enhancement, and digital adoption turnaround time (TAT) improvements.
• Ensure adoption and implementation of internal compliance and regulatory frameworks across the business.
• Work closely with the Credit and Collection teams to reduce net credit loss and delinquency rates.
• Demonstrate ability to build, lead and motivate high-performing teams.
Secondary Responsibilities
• Design a customer journey that drives satisfaction and positions IDFC FIRST Bank as the primary banking partner.
• Promote digital enablement and automation to enhance customer experience and operational efficiency.
• Support cross-functional initiatives to improve service delivery and business outcomes.
Managerial & Leadership Responsibilities
• Mentor and coach senior team members to foster a culture of customer centricity, innovation, compliance, and integrity.
• Create an environment that attracts and retains top-tier talent aligned with the bank's growth ambitions.
• Champion data-driven decision-making and performance tracking across the region.
What We Are Looking For
Education
• Postgraduation: MBA in Finance (Preferred)
Experience
• Minimum 8 years of relevant experience in Business Loan or SME lending, with proven leadership capabilities.
Skills and Attributes
• Strategic thinking and execution excellence.
• Strong understanding of competition business lending products and customer needs.
• Proven ability to lead large teams and spread out and drive performance.
• Excellent stakeholder management and cross-functional collaboration.
• Compliance-oriented with a focus on portfolio quality and risk management.
• Tech-savvy with a mindset for digital transformation and innovation
💡 Quick Summary
Seeking a career-building opportunity? The Regional Head-Business Loan position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.