IDFC FIRST Bank is the first bank in India to offer monthly credit on savings accounts. The credit cards have no hidden charges. It offers Lifetime Free without minimum spend conditions, never-expiring rewards points, zero interest on cash withdrawal at ATMs, dynamic low APR and much more.

Sales Manager-2 Wheeler Loan

The role entails scaling up the business for the Two-wheeler lending for a designated area by delivering banking needs to the customers in the most cost efficient and technology effective manner. Role will closely collaborate with Retail team – Product Head, Operations, Sales, Information Technology, Credit, Business Intelligence Unit for same. This role encapsulates the responsibility of providing a seamless and fulfilling customer experience and ensuring IDFC First becomes the primary bank for all banking needs.

Roles & Responsibilities:

• Acquisition of 2 Wheeler Loan customers in the identified segment Meet and exceed the defined targets of new customer acquisitions month on month by analyzing transaction banking needs of the  customer.
• Provide regular feedback to RM on opportunities and customer needs.
• Ensure adherence to selling norms and SOPs defined by the organization
• Ensure strict compliance with internal guidelines and external regulations
• Ensure quality sourcing in line with the Bank’s policy

Education Qualification:

Graduation: Any Graduate

Post-graduation:  MBA

Sales Manager-Gold Loan

The role entails the responsibility of generating Gold loan business through different channels. It includes administering and training a team of Direct Selling Teams to expand Gold loan business in that locality/branch.

Roles & Responsibilities:

• Ensuring Monthly Sales targets are meet with acquisition in NTB (New to Bank) and ETB (Existing to Bank) customers.
• Existing liability customers are pitched for Gold loans.
• Ensure month on month growth in EOP (Execution only platform) Assets for Gold loan business/per branch.
• Fee Income should be Minimum 1% of total disbursals.
• Customer Follow ups to be done at regular intervals for timely renewal of cases so as to ensure Minimum renewal pending cases.
• Co-ordination with valuers to be done time to time basis.
• Ensure most of the customers are aligned to pay valuation charges as per product norms.
• Ensuring healthy collections with Nil First equated monthly installment / First presentation Default and minimizing fresh flow in Bucket X.
• PSL (Priority sector lending) Tagging and should be aware about PSL norms.
• Helping branch liability team in Audits and ensuring proper communications to customer before any packet Opening.
• Conduct Marketing activities in the local market for generating NTB gold loan customers.
• Willingness to work extensively in the field and travel across the region on short notice.
• Carrying out ad-hoc activities as per the requirement of the department.
• Proficient in MS – Word /Excel and power point
• Personal drive and positive work ethic to deliver results within tight deadlines and in demanding situation.

Educational Qualifications:        

Graduation: Any Graduate

Experience: 2 to 5 years of experience in Gold loan sales.

Relationship Manager – Retail Banking Group

At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team. To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service. While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature.

About the role

A Relationship Manager is a core anchor in taking our banking solutions and services to our valuable customers. This involves a 360-degree banking approach. The Relationship Managers should have an inclination to understand the customer needs and offer solutions in line with the needs. The core philosophy to hold is being “Fair to the Customer and Fair to the Bank”. At ICICI Bank, our customer-centric relationship managers are responsible for acquiring new customer relationships and increasing the wallet share of existing customer relationships with a resolute focus on service quality and customer delight. They collaborate and work with different internal teams, thereby offering the best-in-class customer service. In line with our philosophy of taking the entire bank to the customers, our relationship managers work on the whole suite of offerings like saving solutions, loan products, overdraft solutions, Insta loans, investment solutions, care products, trade solutions, business loans, or wealth management solutions while upholding our fundamental value of being Fair to the Bank and Fair to the Customer.

Bankable individuals not just Bankers: We hire from across industries!

We at ICICI Bank are in continuous pursuit of creating consistent customer delight and superior experience. Our Relationship Managers are empowered individuals who champion the cause of customer experience and have penchant for building and nurturing business relationships. If you are an individual, whose heart echoes with our aspiration, look no more. We do not just choose diverse minds but celebrate their success. If you are a bankable individual without banking experience, you are very much welcome, irrespective of your present core responsibilities or the industry associated. Our training programs equip you to get ready for the role of a Relationship Manager. Professionals from across industries are welcome to apply for the role of Relationship Manager.

Key Responsibilities:

• Customer Service: Create service excellence by partnering with customers through their life cycle and offering suitable products and services based on their financial needs while being fair to the customer and fair to the bank in all engagements.
• Business Development: Ensuring a growth in wallet share of existing customers and on boarding new customers by offering 360-degree banking solutions that meet the needs of our customers
• Champion 360-degree banking: Offer products based on customer needs in collaboration with other internal teams in the bank for suitable product offerings.
• Enhance the portfolio quality: Work towards enhancing customer portfolio within the philosophy of Fair to the Bank, Fair to the Customer
• Customized solutions: As per branch guidelines. Upkeep and maintaining of the branch. Ensure availability of necessary infrastructure in the branch
• Behold the values: Offer products that are fair to our customers and fair to the Bank

Key Qualification & Skills

• Educational Qualification: MBA or Graduates with 1-10 years of experience in the area of relationship management, Business development or allied roles.
• Communication: Good oral and written communication skills
• Synergize with Team: Willingness to work with various teams for on-ground support and deliver enablers as required.
• Improvise: Develop and implement overarching sales and customer relationship strategy, sales processes and structure.
• Market Sensing: Monitor and evaluate industry trends, customer drivers and potential partnerships

About the Business Group

Retail Banking Group at ICICI Bank serves customer segments consisting of individuals, self-employed professionals, SMEs, proprietors, government, and retail institutions. With approximately 6,500 branches across the country, our relationship team is dedicated to serving customer needs with a 360-degree approach. ICICI Bank has a unique bouquet of digital solutions covering the diverse banking needs of customers. To facilitate a seamless customer banking experience, we have adopted the ICICI Stack approach. It covers a complete range of banking services from bank accounts, payments, banking transactions, and credit cards to personal, mortgage, vehicle loans, and business & institutional solutions.

Location:

Bhubneshwar, Cuttack, Berhampur, Puri, Rourkela, Sambalpur

Credit Monitoring Analyst

At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team. To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service. While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature.

About the role:

The Credit Monitoring Analyst is responsible for the comprehensive credit monitoring of the portfolio across diverse business segments. This role entails financial analysis, borrower conduct analysis, and the assessment of market indicators and external events. The ideal candidate will demonstrate robust analytical capabilities and proficiency in identifying early signs of stress within the portfolio, and highlighting the same to the business, credit, and risk teams.

Key Responsibilities:

• Portfolio Management: Monitor the Wholesale Banking and Business Banking portfolios. Address internal and RBI audit-related queries pertaining to the credit monitoring process.
• Ground Sensing: Identify potential credit deterioration or weakening by analysing various internal alerts, including transactional, behavioural, financial, and external alerts such as market-related news and highlighting the same to the business, credit, and risk teams.
• Financial understanding: Possess a fundamental understanding of financial documents such as annual reports, CMA, stock, and book debts statements to conduct meaningful assessments of borrower businesses.
• Collaboration: Collaborate closely with the credit, risk, and IT teams to enhance the utilization of technology in credit monitoring, controls, and reporting.
• Service Delivery: Convene periodic health council meetings for identified borrowers, ensuring the complete closure of the loop in terms of actionable items, timelines, and feedback.
• Analysis and Reporting: Publish regular reports to senior management on portfolio quality, delinquency, behavior, and other relevant metrics

Key Qualifications & Skills:

• Educational Qualification: CA or MBA with 1 to 5 years of relevant experience of credit products and processes.
• Hands-on credit knowledge: Analytical aptitude and familiarity with banking regulations and credit risk management practices.
• Communication Skills: Good communication and presentation skills