Area Sales Manager-Affordable Home Loans (MBL)

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.

Responsibilities

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/BOM
• Will be responsible for meeting disbursements targets month on month.

• 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.

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

Graduation: Any Graduate

Experience: 2 - 5 years of total experience.