Job Description

Job Requirements
About the Role
Regional Head-Personal Loan (DST) is responsible for scaling the Business Loan lending business across a designated region by developing and executing strategies to expand products, channels, customer segments, and overall reach. The role focuses on delivering banking solutions in a cost-efficient and technology-driven manner, while building high-performing teams, robust systems, and a delivery-oriented culture. The Regional Head will collaborate closely with cross-functional teams including Product, Operations, Sales, IT, Credit, and BIU to ensure seamless execution and customer satisfaction.
Key Responsibilities
Primary Responsibilities

• Grow the AUM base for Business Loan lending and ensure achievement of revenue, cost, profitability, and portfolio quality targets.
• Lead and guide State Heads with strategic inputs for deeper distribution penetration and geographic expansion.
• Collaborate with the Product Head - Business Loan to deliver tailored funding solutions and ensure DSTs are appropriately incentivized.
• Design and implement channel mix strategies, and build strong relationships with digital marketplace partners and key alliances.
• Create a seamless and fulfilling customer journey to position IDFC First Bank as the preferred banking partner.
• Oversee distribution channel success through RM training, channel integration, improved TAT, and focused interventions in low-productivity locations.
• Ensure adherence to internal compliance and regulatory frameworks across the business.
• Partner with the Head of Collections to reduce net credit loss and delinquency metrics.

What We Are Looking For
Education

• Graduate - Any discipline

Experience

• Minimum of 8 years of relevant experience in retail banking, lending, or financial services.

Skills and Attributes

• Strategic thinking and execution capabilities
• Strong leadership and team management skills
• Excellent stakeholder engagement and relationship-building abilities
• Deep understanding of business loan products and customer behaviour
• Tech-savvy with a focus on digital enablement
• Analytical mindset with data-driven decision-making skills

Managerial & Leadership Responsibilities

• Mentor and coach senior team members to foster a culture of customer centricity, innovation, compliance, and integrity.
• Create an environment focused on automation and digital enablement to meet customer needs holistically.
• Attract and retain top talent to support the bank's rapid growth objectives.

Skills Required