IDFC FIRST Bank | Portfolio Manager - Farmer Finance

Primary responsibilities

• The role involves acquiring new customers, deepening existing relationships, and ensuring exceptional service delivery.
• The incumbent will work closely with product and operations teams to drive customer acquisition, servicing, and portfolio growth.
• This role contributes directly to the branch banking channel’s objectives by managing New-to-Bank (NTB) clients and enhancing customer profitability.
• Monitor account inflows and outflows to proactively identify business opportunities.
• Maintain close contact with customers through mailers and calls, sharing insights on interest rates, exchange rates, and product offerings.
• Manage the KCC portfolio through continuous monitoring, renewals, retention, and ensuring portfolio hygiene with minimal deferrals and covenant breaches.
• Collaborate with branch banking teams to optimize synergies and work within the broader bank ecosystem.
• Evaluate growth strategies based on competitor analysis and customer feedback.
• Monitor employee productivity, hiring quality, and attrition rates; implement necessary improvements.
• Generate new sales leads for KCC through referrals, brokers, and other sources.
• Leverage expertise in liabilities, foreign exchange, trade finance, delinquency management, and relationship management to grow business volumes.
• Recommend process improvements to enhance service efficiency and quality across the branch network.
• Enable teams to achieve growth targets by providing strategic and operational support.

Requirements

• Minimum of 3 years of relevant experience in rural banking, KCC/credit products, or relationship management.
• Strong understanding of KCC products and rural customer needs.
• Proficiency in credit assessment and financial documentation.
• Excellent communication, relationship-building, and problem-solving skills.
• Strategic mindset with the ability to drive business growth.
• High level of integrity and compliance orientation.
• Ability to lead teams and manage performance metrics effectively.
• Familiarity with banking operations, portfolio hygiene, and customer service standards.

IDFC FIRST Bank Limited

IDFC FIRST Bank took its present form on 18 December 2018, when IDFC Bank and Capital First merged. IDFC Bank had been launched in November 2015 through a demerger from IDFC Limited, the infrastructure finance company set up in 1997, while Capital First brought a retail lending business built around consumers and small entrepreneurs. IDFC Limited, the former holding company, was itself merged into the bank with effect from 1 October 2024, leaving a simpler structure with no holding company and no promoter. Listed on the NSE and BSE, the bank has its corporate office at Bandra-Kurla Complex in Mumbai and its registered office in Chennai, and lends mainly to retail, rural and small-business customers.

Finance-side roles at the bank include credit managers for loans against property, rural branch lending and wholesale banking, trade finance operations staff, reconciliation and operational-risk work in wholesale banking, internal auditors (including gold-loan audit), due-diligence quality control and business finance analysis. Openings are spread over cities such as Mumbai, Navi Mumbai, Thane, New Delhi, Bengaluru, Hyderabad, Ahmedabad, Jaipur and Lucknow. Many postings accept a graduate or postgraduate in any discipline, often a B.Com, BMS or BBI, while several credit and finance roles ask for a CA or an MBA in Finance, or list CA, CFA or ICWA as preferred.

• Industry: Banking: retail, rural and MSME lending, deposits, wealth management, and wholesale and trade banking
• Headquarters: Mumbai, India (corporate office at Bandra-Kurla Complex); registered office in Chennai
• In India: IDFC FIRST Bank Limited, listed on the NSE and BSE, with its corporate office in Mumbai, its registered office in Chennai and branches across India