CC-State Head-Alliance & Affordability

Job Title

State Head - Alliance & Affordability

Business Unit

Credit Cards

Reporting To

Regional Alliance South

Job Function and Role Type

Portfolio Management, Individual Contributor, Extensive Travel Required

Version No

1.0

Job Purpose

Manage alliances and partnerships with merchants across Kerala. Drive spends, engagement, and profitability through merchant associations across Tier 1/2/3 cities.

Key Responsibilities

Alliances with Key Merchants across Kerala

Source offers from Electronics, Apparels, Lifestyle, Grocery, and other categories.

Drive fully funded offers ensuring 26% HDFC Bank issuance share.

Execute 4+ programs per merchant across payment instruments.

Increase engagement and usage across merchants, categories, and geographies.

Spends Target

Achieve yearly incremental spends target of Rs 400 Cr.

Plan and execute state/city-level shopping festivals with merchants.

Target key shopping streets/markets for scale campaigns.

Coordinate with Business Intelligence to identify customer segments.

Marketing

Ensure Marketing responsibilities are completed.

Portfolio

Plan and roll out promotions with Campaigns and Marketing teams.

Ensure visibility through E-mailers, SMS, posters, and social media.

Promote offers via merchant stores, BTL, print, and paid channels.

Activate dormant segments through merchant offers.

Ensure HDFC Bank Card is preferred for transactions at outlets.

Maintain portfolio health and fulfill programs under merchant acquiring.

Service and Operational Excellence

Evaluate and manage vendors based on performance metrics.

Maintain TAT levels from customer requests to fulfillment.

Address customer concerns and ensure 95%+ request fulfillment.

Implement best practices through Service Excellence discussions.

Education:

MBA from Tier 1/2 schools or Graduate.

Certifications:

None specified.

Key Competencies

Market familiarity, communication skills, adaptability, autonomy, articulation.

Major Stakeholders

Zonal Managers, Area Managers, Branch Banking, Business Intelligence, Customer Service, Portfolio & Products, Operations, Acquiring Sales Managers.

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch