IDFC FIRST Bank—Territory Manager-Construction Equipment Loans

Job description

Description: Job Requirements About the Role The Territory Manager – Construction Equipment Loans will be responsible for driving sales and managing the loan portfolio across an assigned territory. This includes achieving monthly business targets, maintaining portfolio hygiene, and ensuring profitability. The role requires proactive field engagement, cross-selling of products, and close monitoring of collections and documentation. The incumbent will play a key role in expanding the bank’s footprint in the construction equipment loan segment. Key Responsibilities Primary Responsibilities - Achieve monthly sales targets across key scorecard parameters: - Business Volume (Units/Loan Value) - Pricing/Rate of Interest (ROI) - Cross-sell (Insurance) - Fee Income - Post Disbursement Documentation (PDD) - Collection Management - Ensure consistent growth and profitability of the construction equipment loan portfolio. Secondary Responsibilities - Proactively travel across the assigned territory to drive business and customer engagement. - Manage overall portfolio hygiene and ensure profitability through regular monitoring and corrective actions. What We Are Looking For Education - Graduate in any discipline. - Postgraduate degree (preferred). Experience - Minimum 3 years of relevant experience in sales or portfolio management within the commercial vehicle or construction equipment loan segment. - Experience in field operations and customer relationship management is preferred. Skills and Attributes - Strong sales and target achievement orientation. - Ability to manage collections and documentation efficiently. - Willingness to travel extensively within the assigned territory. - Good understanding of loan products and cross-sell opportunities. - Excellent communication and interpersonal skills. - Analytical mindset with a focus on portfolio hygiene and profitability. Skills: problem solving, customer relationship, team management, financial analysis, customer acquisition strategy, customer orientation, developing people, financial forecasting, financial reporting, loan processing, sales funnel management, collections, asset valuation, crm utilization, personal branding, competitive analysis, pricing strategy, learning agility, travel management, credit risk analysis, retail banking, relationship building, data interpretation, communication & influence, negotiation skills, sales strategy, sales target tracking & reporting, digital literacy, market analysis, contract management