State Head-Cross Sell (Personal Loan)

Job Requirements
About the Role
The State Head – SEPL will be responsible for scaling lending operations across the state by developing and executing strategies to expand products, channels, customer segments, and overall reach. The role demands a strong focus on cost efficiency and technology-driven solutions to meet customer banking needs. It involves building high-performing teams, robust systems, and a delivery-oriented culture. The role will work in close collaboration with cross-functional teams including Product, Operations, Sales, IT, Credit, and BIU to ensure seamless execution and customer satisfaction. The goal is to position IDFC First Bank as the primary banking partner for customers.
Key Responsibilities
Primary Responsibilities
Lead the state-level cross sell loan business to drive revenue growth per customer.
Strategically guide the distribution of cross-sell products to achieve volume targets.
Monitor portfolio performance and quality, and provide actionable insights to Product and Sales teams for improvement.
Work with the Business Analytics team to identify cross-sell opportunities.
Drive key conversion efficiency metrics of cross sell business
Resourcing and deployment of manpower for servicing the leads
Implement operational and credit policy at sourcing stage of applications
Secondary Responsibilities
Mentor and coach senior team members to foster a culture of customer centricity, innovation, compliance, and integrity.
Promote automation and digital enablement to deliver holistic customer solutions.
Attract and retain top talent to support the bank’s rapid growth objectives.
What We Are Looking For
Education
Graduate (Full-Time) – Any discipline
Experience
Minimum of 5-10 years of relevant experience in retail banking, lending, or financial services.
Skills and Attributes
Proven leadership and team-building capabilities
Strong strategic thinking and execution skills
Excellent stakeholder management and collaboration abilities
Deep understanding of lending products and customer behavior
Tech-savvy with a focus on digital transformation and automation
Analytical mindset with the ability to interpret data and drive decisions

Work arrangement
No