Regional Head

As a Regional Head in the Retail Banking business unit at IDFC First, your role is crucial in scaling up the business for the Branch banking in the designated region. You will be responsible for developing strategies to expand existing products, channels, segments, and customer base in a cost-efficient and technology-effective manner. Your role includes building teams, systems, processes, and a culture conducive to scale and consistent delivery. Collaboration with various teams such as Retail team - Product Head, Operations, Sales, IT, Credit, BIU is essential for achieving these goals. Your ultimate responsibility is to ensure a seamless and fulfilling customer experience, establishing IDFC First as the primary bank for all banking needs. **Roles & Responsibilities:** - Develop and execute regional strategies to achieve business growth, revenue, and profitability targets - Collaborate with senior management to align regional goals with the organization's overall objectives - Identify market opportunities and trends to expand the business banking portfolio - Lead, mentor, and manage a team of relationship managers, portfolio managers, cluster heads, and support staff - Establish performance goals, monitor progress, provide regular feedback and coaching - Drive talent acquisition, training, and succession planning to build a high-performing team - Build and nurture relationships with key clients, business partners, and stakeholders - Drive acquisition of new business banking clients and deepen existing relationships of branch channel - Oversee the development of tailored financial solutions to meet the needs of small and medium-sized enterprises - Monitor regional performance metrics, including profitability and book growth, fee income, and credit quality - Ensure efficient management of resources to maximize profitability and operational efficiency - Collaborate with collections team to drive down the net credit loss and delinquency metrics - Ensure compliance with regulatory requirements, company policies, and risk management standards - Monitor and manage credit risk, operational risk, and market risk within the region - Conduct periodic reviews and audits to maintain a strong control environment - Foster a customer-centric culture across the region - Oversee the delivery of high-quality, timely, and personalized services to business banking clients - Address client escalations and ensure prompt resolution of issues **Managerial & Leadership Responsibilities:** - Mentor and coach senior team members to percolate ethos of customer centricity, innovation, compliance, and integrity - Create an environment for the team to focus on automation and digital enablement to fulfill customer needs holistically - Attract & retain best-in-class talent to meet the Bank's rapid growth targets **Educational Qualifications:** - Graduate: Any - Postgraduate: MBA Finance **Experience:** - Minimum of 10+ Years in Branch Banking,