National Head-Personal Loan (DST)

Job Title – National Head-Personal Loan Place of work - Delhi Business Unit - Retail Banking Function – Retail Banking Job Purpose : The role entails scaling up the Personal Loan lending for the bank at a pan India level in a cost effective manner. It includes building up teams, systems, process and culture amenable to the scale and consistency of delivery. The role will closely collaborate with the Product Head to ensure development of a market leading solutions. The role is responsible for Asset Book growth and will develop strategies to drive product penetration while maintaining overall portfolio quality requirement. It has a P&L responsibility for the Personal Loan lending business contributing to the larger organizational objectives of the bank. Roles & Responsibilities: • Grow the AUM base for Personal Loan lending solutions and ensure that the overall revenue, cost, profitability and portfolio quality targets are met • Lead and direct the Zonal and Regional Heads by providing strategic inputs and plans for distribution penetration in current markets as well as future geographic expansion • Collaborate with the Product Head Personal Loan to ensure that the customers are offered the best in class solutions funding/multifunding requirements and key DST's are appropriately incentivised. • Design channel mix strategy and develop constructive relationships with Digital marketplace partners and key alliances • Design a fulfilling customer journey leading to customer delight and making IDFC_First their banking partner of choice • Oversee distribution channel success through RM training, enablement, integration of alliance channels, improved TAT, focused intervention on low productivity locations etc. • Ensure the successful adoption of internal compliances & regulatory framework across the business • Collaborate with the Head of Collections to drive down the net credit loss and delinquency metrics Managerial & Leadership Responsibilities: • Monitor key parameters on RM productivity, hiring quality and attrition rates and make necessary improvements Champion IDFC First's customer first culture by driving the team to take up high degree servicing norms to ensure absolute customer delight • Attract and retain best-in-class talent for key roles in their reporting structure • Drive co-operation with the credit, technology, analytics and risk teams to ensure smooth functioning of business • Ensure that RM's adhere to benchmarks/processes set up for finalising commercials and other key parameters Educational Qualifications: Graduate – Any (Full Time) Post Graduate – MBA Finance(Full Time) Experience: 15+ Years with 8+ in Leadership Position in Personal Loan Business