Job Requirements
Role/ Job Title: Area Head - Affordable HL

Function/ Department: Affordable Mortgage Loans

Job Purpose:
'This role involves leading and scaling the Affordable Home Loan business across assigned branches by formulating and executing strategies to drive business growth. The incumbent is responsible for managing operations and optimizing resources with a solid focus on cost efficiency and technology adoption. A key aspect of the role includes building strategic relationships with local dealers to position the bank as their preferred financial partner, thereby increasing business volumes. The role encompasses expanding branch presence, enhancing product penetration, and ensuring exceptional customer service delivery. It demands close coordination with product and operations teams to enable effective customer acquisition, servicing, and relationship deepening. In addition, the role is accountable for building high-performing teams, implementing effective systems and processes, and nurturing a customer-centric culture.



The incumbent will also be responsible for delivering customer and employee satisfaction goals, with full P&L; ownership, contributing significantly to the overarching objectives of the bank.

Roles & Responsibilities:
'• Own the P&L; of the assigned branches, overseeing all aspects of operations, including distribution, sales, customer service, and administration.
• Drive business performance by developing and executing region-specific strategies to achieve and surpass business goals and revenue targets.
• Ensure sustainable profitability across both asset and liability products by optimizing product mix and pricing strategies.
• Act as the custodian of people, processes, and documentation for the branches in the region, with a responsibility to ensure governance, control, and efficiency.
• Analyse market dynamics and competition, providing valuable insights and feedback to product teams for continuous improvement and innovation.
• Lead a

📌 Area Head (Lucknow)
🏢 IDFC FIRST Bank
📍 Lucknow