Zonal Head - Business Loan (DSA)

About the Role

The Zonal Head – Business Loan(DSA) will be responsible for scaling the Business Loan portfolio within the Retail Banking division. This leadership role involves developing strategies to expand products, channels, customer segments, and geographic reach. The incumbent will drive business growth by delivering cost-efficient and technology-enabled banking solutions, while fostering a culture of high performance, compliance, and customer centricity. The role requires close collaboration with cross-functional teams including Product, Sales, Operations, IT, Credit, and BIU to ensure seamless execution and customer satisfaction.

Key Responsibilities

Primary Responsibilities

• Grow the Assets Under Management (AUM) for Business Loans and meet targets for revenue, cost, profitability, and portfolio quality.
• Lead and guide Regional and State Heads with strategic plans for market penetration and geographic expansion.
• Collaborate with the Product Head – Business Loans to deliver best-in-class funding solutions and ensure key DSTs are effectively incentivized.
• Develop channel mix strategies and build strong relationships with digital marketplace partners and strategic alliances.
• Design and implement a seamless customer journey to enhance satisfaction and position IDFC FIRST Bank as the preferred banking partner.
• Oversee distribution channel performance through RM training, channel integration, improved turnaround times, and targeted interventions in low-productivity areas.
• Ensure full compliance with internal policies and regulatory frameworks.
• Partner with the Head of Collections to reduce net credit loss and delinquency rates.

Secondary Responsibilities

• Recommend process improvements to enhance service efficiency and quality.
• Suggest policy and operational changes across Retail Banking to drive excellence in customer service.
• Collaborate with internal stakeholders to leverage synergies and improve business outcomes.

What We Are Looking For

Education

• Graduate in any discipline.
• Postgraduate degree (MBA in Finance preferred).

Experience

• Minimum 10-18 years of experience in the Business Loan domain.
• Proven leadership experience in managing large teams and driving business growth.

Skills and Attributes

• Strong strategic thinking and execution capabilities.
• Deep understanding of lending products, customer acquisition, and portfolio management.
• Excellent relationship management and negotiation skills.
• Ability to lead cross-functional teams and drive collaboration.
• Commitment to compliance, innovation, and customer-centricity.
• Strong analytical and decision-making skills.
• Ability to attract, retain, and mentor top talent.