Role / Job Title: Cluster 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 â€' Branch Sales Managers/BCM/BOM
Will 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: BCA (Bachelor of Computer Applications) / BBA (Bachelor of Business Administration) / BCom (Bachelors in Commerce) / BTech (Bachelor in Technology) / BA (Bachelor of Arts) / BE (Bachelor in Engineering) BSc (Bachelor of Science) / BPharma (Bachelor in Pharmacy)

Experience: 10 - 18 years of total experience.

Cluster Manager-Affordable Home Loans (MBL)