Debt Manager & Flows-Rural Assets

Job Title Area Sales Manager Home Loans Function / Department Retail Banking Job Purpose The role entails scaling up the business for the Home Loan lending for a designated area by delivering banking needs to the customers in the most cost efficient and technology effective manner. The role will closely collaborate with the Retail team product head, operations, sales, information technology, credit, business intelligence. 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 Acquisition of Home loan customers in the identified segment and reference generation from the specified catchment area. Grow the asset under management base for home loan lending solutions and ensure that the overall revenue, cost, profitability and portfolio quality targets are met. Collaborate with the product head Home Loan to ensure that the customers are offered the bestinclass solutions funding or multifunding requirements and key direct sales team 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 relationship manager training, enablement, integration of alliance channels, improved turnaround time, focused intervention on low productivity locations etc. Ensure the successful adoption of internal compliances and regulatory framework across the business. Collaborate with the Head of Collections to drive down the net credit loss and delinquency metrics. Education Qualification Graduation: Bachelors in Engineering / Technology / Maths / Commerce / Arts / Science / Biology / Business / Computers / Engineering / Management Postgraduation: MBA, PGDM Experience 5 to 10 years of experience in home loans for lowincome or middleincome group.