Job Description

Job RequirementsJob RequirementsRole/ Job Title: Territory ManagerFunction/ Department: Self-Employee Personal LoanJob Purpose:The role entails direct customer interaction and is responsible for acquisition of professional loan and unsecured business loan customers for a designated branch. It will also entail explaining and selling banking products to customers and acting as a link between customers and bank - ensuring best in-class service to the customers. The role bearer has a responsibility to supervise catchment mapping, customer feedback and identifying and converting potential opportunities. The role bearer is responsible for driving client acquisition, deepening customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.Roles & Responsibilities:

• Acquisition of self-employee personal loan customers in the identified segment and reference generation from the specified catchment area.
• Grow the asset under management base for Business loan lending solutions and ensure that the overall revenue, cost, profitability and portfolio quality targets are met.
• Collaborate with the product head business loan to ensure that the customers are offered the best-in-class solutions funding or multi funding requirements and key direct sales teams are appropriately incentivized.
• Ensuring quality portfolio by minimizing delinquency and rejection.
• Extensive knowledge and understanding of retails assets, products and operations.
• Identifying the changing market trends, channel development for acquiring business and provide high quality customer service.
• Design a fulfilling customer journey leading to customer delight and making IDFC First their banking partner of choice.
• Ensure the successful adoption of internal compliances and regulatory framework across the business.

Education Qualification (Fulltime):Graduation: Bachelors in engineering / Technology / Maths / Commerce / Arts / Science / Biology / Business / Computers / Engineering / ManagementPost-graduation: MBA, PGDMExperience: 2 to 5 years of experience in self-employee personal loan.Education Qualification (Fulltime):Graduation: Bachelors in engineering / Technology / Maths / Commerce / Arts / Science / Biology / Business / Computers / Engineering / ManagementPost-graduation: MBA, PGDMRole/ Job Title: Collection Manager Multi ProductFunction/ Department: CollectionsJob Purpose:The role bearer has the responsibility to plan, organize, direct and oversee the activities of the collections department. It also includes managing the agencies associated with the company in their assigned territory. The role bearer is responsible for the efficiency and optimization of retrieving EMI from the customers and ensuring adherence to all the guidelines laid out by the bank contributing to the larger organizational objectives of the bank.Roles & Responsibilities:

• Responsible for managing and undertaking collections process for debts that have been assigned.
• Regularly track the portfolio for specific buckets for the assigned area.
• Track and control the delinquency of the area, bucket-wise focus on non-starters.
• Responsible to allocate and achieve targets from agencies or in house team.
• Regularly follow up with the default customers.
• Ensuring adherence to collection process and legal guidelines.
• Tracing out absconded default customers and initiate recovery process.
• Recommend for legal actions for non-recoverable cases and following up with the legal team for the closure of the cases.
• Maintain data for administrative work related to collection such as updating delinquent account history, providing and maintaining management information system report, reviewing of collection feedback on daily, weekly & monthly basis.

Education Qualification (Fulltime):Graduation: Any GraduateExperience: 5 to 10 years of experience in collections.