State Head-SEPL

Job Requirements

About the Role

The State Head – SEPL is a senior leadership role responsible for scaling the Business Loan & Self-Employed Professional Loan (SEPL) business across the designated state. This includes developing strategies to expand product offerings, customer segments, and distribution channels while ensuring cost-effective and technology-enabled delivery. The role involves building high-performing teams, robust systems, and a scalable culture. The incumbent will collaborate closely with cross-functional teams including Product, Sales, Operations, Credit, IT, and BIU to deliver a seamless customer experience and position IDFC FIRST Bank as the preferred banking partner.

Key Responsibilities

Primary Responsibilities

• Lead the SEPL business across the state to drive revenue growth and customer penetration.
• Guide cross-sell product distribution to ensure volume scale-up in line with defined targets.
• Partner with the Digital Marketing team to enhance customer acquisition through digital channels.
• Build and nurture strategic partnerships with key dealers, OEMs, and channel/product partners to increase portfolio penetration.
• Monitor portfolio performance and quality and provide actionable insights to Product and Sales teams for course correction.
• Collaborate with the Product team to develop differentiated offerings in the Business Loan category.
• Work with the Business Analytics team to identify cross-sell opportunities and market potential.
• Demonstrate ability to build, lead and motivate high-performing teams.
  
  

Secondary Responsibilities

• Foster a team culture focused on digital enablement to holistically meet customer needs.
• Drive initiatives aligned with the bank’s rapid growth targets and strategic objectives.
  
  

Managerial & Leadership Responsibilities

• Mentor and coach team members to instill values of customer centricity, innovation, compliance, and integrity.
• Create an environment that supports automation and digital transformation.
• Attract and retain top-tier talent to support the bank’s growth ambitions.
  
  

What We Are Looking For

Education

• Graduation: Any discipline (Full-Time)
• Postgraduation: MBA in Finance (Full-Time, Preferred)
  
  

Experience

• Minimum 8+ years of relevant experience in lending, preferably in Self-Employed Professional Loans or Business Loans.
  
  

Skills and Attributes

• Strong strategic thinking and execution capabilities.
• Deep understanding of lending products and customer segments.
• Proven leadership and team management experience.
• Excellent stakeholder management and cross-functional collaboration.
• High compliance orientation and focus on portfolio quality.
• Tech-savvy with a mindset for digital innovation and customer experience.