Sales Manager-Personal Loan (DSA)

Idfc First Bank Limited; Tiruchirappalli; On-site; INR 600,000 - 900,000; Full time

Job summary

Idfc First Bank Limited is seeking a Sales Manager – Personal Loans (DSA) in Tamil Nadu to source and manage loan business through dealers and channel partners, building a high-quality portfolio while leading a team and ensuring compliance with policies.

You will monitor channel partners, stay updated on asset products and market trends, and drive customer acquisition with a focus on risk management and service quality. Strong English communication and relationship skills are essential.

Qualifications

• Graduate in any discipline.
• MBA/PGDM preferred.
• Minimum 2 years of relevant experience in retail lending.

Responsibilities

• Source and manage business through dealers and market channels.
• Acquire new customers and ensure consistent loan disbursement.
• Maintain a high-quality loan portfolio by minimizing delinquencies.
• Monitor channel partners to align with business goals.
• Stay updated on retail asset products, processes, and market trends.
• Identify evolving market dynamics and develop strategies for channel development and customer acquisition.
• Ensure adherence to internal policies, processes and compliance.

Skills

Retail lending

Credit operations

Channel management

Sales growth

Negotiation

Relationship management

Communication skills

Team leadership

Compliance awareness

Education

Bachelor's degree

MBA/PGDM preferred

Job description

Job Requirements

About the Role

The Sales Manager – Personal Loans(DSA) 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.