Regional Head - Business Loan (DSA)

Job Requirements

About the Role

As a Regional Head - Business Loan (DSA), you will be responsible for scaling the Business Loan lending business across a designated region through DSA channel. This role involves developing and executing strategies to expand product reach, customer base, and distribution channels while ensuring cost-efficiency and technology-driven operations. You will collaborate closely with cross-functional teams including Product, Sales, Operations, IT, Credit, and BIU to deliver a seamless customer experience and position IDFC FIRST Bank as the preferred financial partner for small enterprises.

Key Responsibilities

Primary Responsibilities

• Grow the Assets Under Management (AUM) for Business Loan lending solutions while meeting revenue, cost, profitability, and portfolio quality targets.
• Lead and guide State Heads by providing strategic direction for distribution expansion in current and new markets.
• Collaborate with the Product Head – Business Loans to deliver best-in-class funding solutions and ensure key DSTs are appropriately incentivized.
• Design and execute channel mix strategies, including partnerships with digital marketplaces and key alliances.
• Oversee distribution success through RM training, channel enablement, improved turnaround times (TAT), and targeted interventions in low-productivity locations.
• Ensure seamless customer journeys that lead to customer delight and long-term engagement with IDFC FIRST Bank.
• Drive adoption of internal compliance and regulatory frameworks across the business.
• Work with the Head of Collections to reduce net credit loss and delinquency rates.
• Demonstrate ability to build, lead and motivate high-performing teams.
  
  

Secondary Responsibilities

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

What We Are Looking For

Education

• Graduation: Any discipline (Full-time)
• Post-Graduation: MBA in Finance (Full-time)
  
  

Experience

• Minimum 11+ years of experience in the Business Loan / SEPL or related retail lending domain.
  
  

Skills And Attributes

• Strong strategic thinking and execution capabilities.
• Deep understanding of Business Loan / SEPL products, customer segments, and market dynamics.
• Proven leadership and team management skills.
• Ability to collaborate across functions and drive cross-functional initiatives.
• High compliance orientation and process discipline.
• Customer-centric mindset with a focus on delivering superior service.
• Analytical skills to monitor performance metrics and drive course corrections.