Debt Manager-Flows-Rural Assets

Job description

**Job Requirements** **Job Requirements** **Role/ 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. Role will closely collaborate with Retail team - product head, operations, sales, Information technology, credit, business intelligence unit 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:** - 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 best-in-class solutions funding or multi-funding requirements and key direct sales team are appropriately incentivized. - 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 (Fulltime):** Graduation: Bachelor’s in engineering / Technology / Math’s / Commerce / Arts / Science / Biology / Business / Computers / Engineering / Management Post-graduation: MBA, PGDM **Experience:** 5 to 10 years of experience in home loans low-income group or middle-income group.