IDFC FIRST Bank—Territory Manager-2 Wheeler Loan

Job description

Description: Job Requirements About the Role The Territory Manager – 2-Wheeler Loans is responsible for sourcing and managing loan business through dealers, and existing channel partners. The role focuses on building a high-quality loan portfolio while ensuring adherence to internal policies and regulatory guidelines. The role holder is expected to lead a team, maintain strong market relationships, and drive business growth in a sales-supportive yet risk-conscious manner, contributing to the broader objectives of the bank’s retail lending business. Key Responsibilities Primary Responsibilities - Source and manage business through dealers, and other market channels. - Acquire new customers and ensure consistent loan disbursement volumes. - Maintain a high-quality loan portfolio by minimizing delinquencies and rejections. - Monitor and guide channel partners to ensure alignment with business goals. - Stay updated on retail asset products, operational processes, and market trends. - Identify evolving market dynamics and develop strategies for channel development and customer acquisition. - Ensure adherence to all internal policies, processes, and compliance guidelines. Secondary Responsibilities - Recommend improvements to sales processes and credit policies to enhance operational efficiency and customer service quality. - Foster collaboration across departments to ensure seamless service delivery and customer satisfaction. - To improve the sourcing from the strategic alliances and direct channels. What We Are Looking For Education - Graduate in any discipline. - Postgraduate qualification (MBA/PGDM) is preferred. Experience - Minimum 2 to 5 years of relevant experience in retail lending, preferably in 2-wheeler loans or similar asset-based financing. Skills and Attributes - Strong understanding of retail lending products and credit operations. - Excellent verbal and written communication skills in English are essential. - Proven ability to manage sales channels and drive business growth. - Excellent communication, negotiation, and relationship management skills. - Analytical mindset with a focus on portfolio quality and risk management. - Ability to lead teams and coordinate with multiple stakeholders. - High level of integrity and commitment to compliance. Skills: retail lending, credit operations, regulatory compliance, asset-based financing, loan portfolio management, channel management, sales process improvement, conflict resolution, performance tracking, compliance management, revenue growth, loan processing, sales funnel management, market trend, data analysis, crm utilization, personal branding, problem solving, learning agility, financial analysis, customer acquisition strategy, client engagement, customer acquisition, developing people, relationship building, data interpretation, communication & influence, negotiation skills, sales target tracking & reporting, digital literacy