Area Head - Affordable Mortgage Loans

IDFC FIRST Bank


Date: 2 weeks ago
City: Meerut, Uttar Pradesh
Contract type: Full time
Job Requirements

Role/ Job Title: Area Head - Affordable Mortgage Loans

Function/ Department: Affordable Mortgage Loans

Job Purpose

'This role involves leading and scaling the Affordable Mortgage business across assigned branches by formulating and executing strategies to drive business growth. The incumbent is responsible for managing operations and optimizing resources with a strong focus on cost efficiency and technology adoption. A key aspect of the role includes building strategic relationships with local dealers to position the bank as their preferred financial partner, thereby increasing business volumes. The role encompasses expanding branch presence, enhancing product penetration, and ensuring exceptional customer service delivery. It demands close coordination with product and operations teams to enable effective customer acquisition, servicing, and relationship deepening. In addition, the role is accountable for building high-performing teams, implementing effective systems and processes, and nurturing a customer-centric culture. The incumbent will also be responsible for delivering customer and employee satisfaction goals, with full P&L ownership, contributing significantly to the overarching objectives of the bank.

Roles & Responsibilities

'

  • Own the P&L of the assigned branches, overseeing all aspects of operations, including distribution, sales, customer service, and administration.
  • Drive business performance by developing and executing region-specific strategies to achieve and surpass business goals and revenue targets.
  • Ensure sustainable profitability across both asset and liability products by optimizing product mix and pricing strategies.
  • Act as the custodian of people, processes, and documentation for the branches in the region, with a responsibility to ensure governance, control, and efficiency.
  • Analyse market dynamics and competition, providing valuable insights and feedback to product teams for continuous improvement and innovation.
  • Lead a team of RMs to drive customer acquisition, deepen existing relationships, and deliver a comprehensive suite of product services.
  • Monitor loan collections and recoveries, ensuring healthy portfolio performance and minimal delinquencies.
  • Ensure that pricing, processes, and policies are aligned with organizational objectives and market competitiveness.
  • Collaborate with Risk and Credit teams to assess and improve portfolio quality and proactively address any risk exposures.
  • Achieve key metrics including productivity, efficiency, financial performance, customer satisfaction, and compliance with regulatory standards.
  • Conduct periodic field audits and customer verifications to maintain operational integrity and compliance.
  • Foster relationships with individual and institutional clients to enhance loyalty and long-term engagement.
  • Lead manpower planning, recruitment, and training initiatives for both on-roll and off-roll staff to build a high-performing, future-ready workforce.
  • Evaluate and implement new initiatives related to products, channels, and processes to boost operational efficiency and customer convenience.

Secondary Responsibilities

'

  • Build team capabilities to cross-sell and upsell multiple banking products across various locations.
  • Share best practices and competitive intelligence with other regions and clusters to foster knowledge exchange and consistent performance.
  • Uphold high ethical standards and ensure adherence to all statutory and regulatory guidelines.
  • Drive livelihood development and community upliftment initiatives, aligning with the bank’s broader social responsibility goals.
  • Empower team by offering continuous training, coaching, and mentorship to enhance productivity and service quality.
  • Coordinate with internal teams and departments to deliver holistic solutions to customers across the service spectrum.

Qualifications

Graduate

Years Of Experience

10-18 Years

How to apply

To apply for this job you need to authorize on our website. If you don't have an account yet, please register.

Post a resume

Similar jobs

Senior Centre Manager - Microfinance

Bajaj Finserv, Meerut, Uttar Pradesh
1 day ago
Location Name: Mawana MFIJob PurposeResponsible for doing village surveys, getting new customers, do CGT, house verification and income assessment, do quality sourcing, ensure collections and recoveries are done as per the group/centre meeting schedule. Maintain Healthy Customer Relationships on ground in the locationDuties And Responsibilities Conduct village surveys and do prospecting in selected villages, explain BFL MFI JLG product offerings...

Retail Store Manager

Best Price Flipkart Wholesale, Meerut, Uttar Pradesh
5 days ago
I am looking for an operations Manager for our best price Meerut store. This is an urgent position and immidiate joiners will be preferred.FMCG or Retail experience is mandatory!We are an equal oppurtunity provider and encourage applicants from all genders and ethnicity to apply!PFB Detailed job description:Managing key Member Segments like Resellers, HoReCa & O&I, initiatives within the area for...

Sales Manager I

Swiggy, Meerut, Uttar Pradesh
3 weeks ago
Way of Working - Office/Field - Employees will work full-time from their base locationAbout SwiggySwiggy is India's leading on-demand delivery platform with a tech-first approach to logistics and a solution-first approach to consumer demands. With a presence in 500 cities across India, partnerships with hundreds of thousands of restaurants, an employee base of over 5000, a 2 lakh+ strong independent...