Sales Manager-Car Loans

IDFC FIRST Bank; Thiruvananthapuram; On-site; INR 600,000 - 900,000; Full time

Job summary

Idfc First Bank Limited is seeking a Sales Manager – Car Loans to source and manage loan business through dealers and partners. The role focuses on building a high-quality portfolio while adhering to policies and regulations, leading a team and strengthening market relationships to drive retail lending growth.

The ideal candidate has 2+ years of experience in retail lending, preferably in asset-based financing, with strong communication and leadership capabilities.

Qualifications

• Knowledge of retail lending products and credit operations.
• Excellent verbal and written communication in English.
• Experience in managing sales channels and driving growth.
• Strong negotiation and relationship management skills.
• Analytical mindset with focus on portfolio quality and risk management.
• Ability to lead teams and coordinate with multiple stakeholders.
• Commitment to integrity and regulatory compliance.

Responsibilities

• Source and manage business through dealers and market channels.
• Acquire new customers and ensure loan disbursement volumes.
• Maintain a high-quality loan portfolio by minimizing delinquencies.
• Monitor channel partners to align with business goals.
• Stay updated on asset products, processes and market trends.
• Identify market dynamics and develop channel development strategies.
• Ensure adherence to internal policies and compliance guidelines.
• Improve sourcing from strategic alliances and direct channels.

Skills

Retail lending

Credit operations

Communication

Sales channel management

Relationship management

Analytical mindset

Team leadership

Compliance

Education

Graduate degree

MBA/PGDM preferred

Job description

Job Requirements

About the Role

The Sales Manager – Car 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 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.