About the Role

The Territory Manager ? Credit Cards is responsible for scaling up the business for Credit Card lending within a designated area by delivering banking solutions to customers in a cost-efficient and technology-driven manner. The role involves close collaboration with the Retail team including Product Head, Operations, Sales, IT, Credit, and BIU. The Territory Manager ensures a seamless and fulfilling customer experience, positioning IDFC First as the primary bank for all banking needs.

Key Responsibilities

Primary Responsibilities

• Acquire Credit Card customers in the identified segment and generate references from the specified catchment area.
• Grow the AUM base for Credit Card lending solutions and ensure revenue, cost, profitability, and portfolio quality targets are met.
• Collaborate with the Product Head ? Credit Cards to offer best-in-class solutions for funding/multi-funding requirements and appropriately incentivize key DSTs.
• Ensure portfolio quality by minimizing delinquency and rejection rates.
• Demonstrate extensive knowledge and understanding of retail assets, products, and operations.
• Identify changing market trends and develop channels for acquiring business while providing high-quality customer service.
• Design a fulfilling customer journey to achieve customer delight and make IDFC First the preferred banking partner.
• Ensure successful adoption of internal compliance and regulatory frameworks across the business.

Secondary Responsibilities

• Recommend process changes to improve service efficiency and quality across the assigned area.
• Suggest improvements to processes and policies across Retail Banking to drive operational efficiencies and high-quality customer service.
• Leverage in-house synergies through collaboration with internal stakeholders.

What We Are Looking For

Education

• Graduate ? Any
• Post Graduate ? Any

Experience

• Relevant years of experience in Credit Cards.

Skills and Attributes

• Strong understanding of Credit Card products and customer acquisition strategies.
• Ability to collaborate effectively with cross-functional teams.
• Customer-centric approach with a focus on service quality.
• Excellent communication and interpersonal skills.
• Analytical mindset with the ability to identify trends and recommend improvements.