Area Sales Manager-Affordable Home Loans (MBL)

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Job Description

Role / Job Title: Area Sales Manager- Affordable Home Loans (MBL)

Function/Department: Sales

Job Purpose

The role entails scaling up the Affordable Home loan business for the Micro Business Loan branches 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 operations, sales, Information technology, credit, collection, 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 team 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.Target and Manpower planning for the region.Ensure recruitment and training of manpower – Branch Sales Managers/BCM/BOMWill be responsible for meeting disbursements targets month on month.

Secondary Responsibilities

Meeting business target including Fee income and cross sell.Monitoring and mentoring the team and creating career path for team.Keeping a regular track of competition and reporting new products / market developments to upstream.Managing the early Mob X bucket collection and overall portfolio management.Managing internal and external audit compliance.

Managerial Responsibilities

Identifying business areas/ Sourcing segment with high potential and execute penetration strategies.Tracking and improving branch profitability and portfolio quality.

Education Qualification

Graduation: Any Graduate

Experience: 2 – 5 years of total experience.