Job Title – State Head - SEPL

Place of work – Mumbai

Business Unit – Retail Banking

Function – Retail Banking

Job Purpose :

The role entails scaling up the business for lending in the state by developing strategies to expand the existing products, channels, segments and customer base by delivering banking needs to the customers in the most cost efficient and technology effective manner. It includes building up teams, systems, process and culture amenable to the scale and consistency of delivery. Role will closely collaborate with Retail team - Product Head, Operations, Sales, IT, Credit, BIU for same. This role encapsulates the responsibility of providing a seamless and fulfilling customer experience and ensuring IDFC First becomes the primary bank for all banking needs.

Roles & Responsibilities:
• Lead the State business across SEPL Loan to expand revenue per existing customer
• Guide distribution of X-sell products ensuring volume scale-up as per the defined targets
• Partner with the Digital Marketing team to increase customer penetration via digital medium
• Build and nurture startegic partnerships across key dealers, OEMs, channel/product partners etc. to increase the pentration of entire portfolio
• Improve the performance & quality of portfolio through regular monitoring and providing recommendations for course correction to the Product and Sales teams
• Guide the Product team in Business Loan category to provide differentiated offerings and drive business growth
• Work with business analytics team to identify potential for x-sell

Managerial & Leadership Responsibilities:
• Mentor and coach senior team members to percolate ethos of customer centricity, innovation, compliance and integrity
• Create environment for team to focus on automation and digital enablement to fulfil customer’s needs holistically
• Attract & retain best-in class talent to meet Bank's rapid growth targets