Regional Head-Personal Loan (DSA)

Job Requirements

About the Role

The Regional Head – Personal Loan (DSA ) is responsible for driving business growth across multiple states through the DSA (Direct Selling Agent) channel. This role focuses on expanding the AUM base, improving profitability, and maintaining portfolio quality. The Regional Head will lead State Heads, develop strategic distribution plans, and collaborate with cross-functional teams including Product, Collections, and Digital Alliances to deliver best-in-class customer solutions and operational excellence.

Key Responsibilities

Primary Responsibilities

- Grow the AUM base for personal loan lending and ensure achievement of revenue, cost, profitability, and portfolio quality targets.
- Lead and guide State Heads with strategic inputs for deeper distribution penetration and geographic expansion.
- Collaborate with the Product Head – Business Loan to deliver tailored funding solutions and ensure DSTs are appropriately incentivized.
- Design and implement channel mix strategies and build strong relationships with digital marketplace partners and key alliances.
- Create a seamless and fulfilling customer journey to position IDFC First Bank as the preferred banking partner.
- Oversee distribution channel success through RM training, channel integration, improved TAT, and focused interventions in low-productivity locations.
- Ensure adherence to internal compliance and regulatory frameworks across the business.
- Partner with the Head of Collections to reduce net credit loss and delinquency metrics.

Secondary Responsibilities

- Support process digitization and automation initiatives to enhance operational efficiency.
- Monitor market trends and competitor strategies to inform business decisions.
- Drive continuous improvement in service delivery and customer experience.

What We Are Looking For

Education

- Graduate – Any discipline

Experience

- Minimum 10 to 18 of BFSi

Skills and Attributes

- Strategic thinking and execution capabilities
- Strong leadership and team management skills
- Excellent stakeholder engagement and relationship-building abilities
- Deep understanding of personal loan products and customer behaviour
- Tech-savvy with a focus on digital enablement
- Analytical mindset with data-driven decision-making skills

Managerial & Leadership Responsibilities

- Mentor and coach senior team members to foster a culture of customer centricity, innovation, compliance, and integrity.
- Create an environment focused on automation and digital enablement to meet customer needs holistically.
- Attract and retain top talent to support the bank’s rapid growth objectives.