IDFC FIRST Bank—Territory Manager-Cross Sell (SME Loans)

Job description

Description: Job Requirements About the Role The Territory Manager – Cross Sell (SME Loans) is responsible for sourcing SME loan business through Direct Selling Agents (DSAs), Direct Sales Teams (DSTs), and existing channel partners. The role involves building and managing a high-quality loan portfolio while ensuring adherence to internal policies and regulatory guidelines. The incumbent will lead a team, foster strong relationships, and drive collaboration across stakeholders to support both sales growth and risk management. This role is critical in contributing to the bank’s broader objectives by balancing business development with operational discipline. Key Responsibilities Primary Responsibilities - Source SME loan business through DSAs, DSTs, and other market channels. - Build and manage a high-quality loan portfolio by minimizing delinquencies and rejections. - Maintain strong relationships with channel partners to ensure consistent business flow. - Monitor and adapt to changing market trends to identify new business opportunities. - Ensure compliance with all internal policies and external regulatory requirements. Secondary Responsibilities - Provide insights and recommendations to improve processes and policies within the Retail Banking function. - Promote a culture of collaboration, effective communication, and operational efficiency. - Support the delivery of high-quality customer service through process improvements and team enablement. What We Are Looking For Education - Graduation: Full time graduate in any discipline from a recognised institution. Experience - Minimum of 3 years of relevant experience in SME loan sales or related financial services. Skills and Attributes - Strong understanding of retail asset products and market dynamics - Proven ability to manage sales channels and drive business acquisition - Excellent communication and interpersonal skills - High level of integrity and adherence to compliance standards - Analytical mindset with the ability to identify trends and opportunities - Team leadership and stakeholder management capabilities Skills: sme loan sales, retail asset products, regulatory compliance, portfolio management, sales channel management, business development, risk management, sales funnel management, market trend, compliance / regulatory, data analysis, crm utilization, personal branding, competitive analysis, problem solving, learning agility, financial analysis, customer acquisition strategy, developing people, data interpretation, sme finance, banking/finance, communication & influence, negotiation skills, sales/crm, sales strategy, compliance requirements, sales target tracking & reporting, digital literacy, market analysis