Territory Manager-Credit Cards

Job Requirements

Job Title – Territory Manager-Credit Cards

Business Unit – Retail Banking

Function – Retail Banking

Job Purpose

The role entails scaling up the business for the Credit Card 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, IT, Credit, BIU 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.

Responsibilities

Roles & Responsibilities:

• Acquisition of Credit Card customers in the identified segment and reference generation from the specified catchment area
• Grow the AUM base for Credit Card lending solutions and ensure that the overall revenue, cost, profitability and portfolio quality targets are met
• Collaborate with the Product Head Credit Cards to ensure that the customers are offered the best in class solutions funding/multi funding requirements and key DST’s are appropriately incentivised.
• Ensuring quality portfolio by minimizing delinquency and rejection
• Extensive knowledge and understanding of retails assets, products and operations
• Identifying the changing market trends, channel development for acquiring business and provide high quality customer service
• Design a fulfilling customer journey leading to customer delight and making IDFC First their banking partner of choice
• Ensure the successful adoption of internal compliances & regulatory framework across the business
  
  

Secondary Responsibilities

• Recommend process changes in order to improve service efficiency and quality across the assigned area
• Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service
• Leverage in-house synergies through collaboration with internal stakeholders
  
  

Managerial & Leadership Responsibilities

• Attract and retain best-in-class talent for key roles in their reporting structure
  
  

Key Success Metrics

• Increased Profitability, Assets Under Management (AUM), Portfolio Quality, Total No. of Customers, Number of Customer Acquisitions
  
  

Educational Qualifications

Graduate - Any

Post Graduate – Any

Experience:5+ Years of experience in Credit Cards