Senior Territory Manager-Loan against Property

Idfc First Bank Limited; Delhi; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Idfc First Bank Limited in Delhi seeks a Senior Territory Manager - Loan Against Property to source loans from DSAs/DSTs and channel partners, build a quality portfolio, and lead a team. You will nurture relationships, ensure policy compliance and drive sales with risk controls.

The role requires deep knowledge of retail assets, market trends, and strong communication across media. You will identify new channels, enhance customer service, and spearhead digital enablement to support rapid growth

Qualifications

• Relevant educational qualification in finance, business administration, or related fields.
• 3 years of BFSI experience, especially in loan against property.
• Experience in managing teams and working with DSAs/DSTs and channel partners.

Responsibilities

• Source and manage channels from the market and acquire business.
• Ensure a quality portfolio by minimizing delinquency and rejections.
• Possess knowledge of retail assets, products, operations, and current market trends.
• Identify changing market trends and develop channels for acquiring business while providing high-quality customer service.
• Recommend improvements to processes and policies across Retail Banking to drive efficiency and customer service.
• Create an environment for the team to focus on digital enablement to fulfill customer needs.
• Drive initiatives to meet the bank's rapid growth targets.

Skills

Relationship management

Communication skills

Sales orientation

Risk awareness

Digital enablement

Customer-centric

Analytical thinking

Education

Finance or Business

Job description

Job Requirements

About the Role

The Senior Territory Manager - Loan Against Property is responsible for sourcing loans from the market using DSAs/DSTs and existing channel partners, while establishing a quality portfolio. This role involves managing a team, maintaining strong relationships, fostering cooperation, and communicating effectively across various mediums. The role holder must ensure adherence to policies and guidelines, executing tasks in a manner that supports sales and mitigates risk, thereby contributing to the bank's broader objectives.

Key Responsibilities

Primary Responsibilities

• - Source and manage channels from the market and acquire business from them.
• - Ensure a quality portfolio by minimizing delinquency and rejection.
• - Possess extensive knowledge and understanding of retail assets, products, operations, and current market trends.
• - Identify changing market trends and develop channels for acquiring business while providing high-quality customer service.
• - Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and enhance customer service.

Secondary Responsibilities

• - Create an environment for the team to focus on digital enablement to holistically fulfill customer needs.
• - Drive initiatives to meet the bank's rapid growth targets.

What We Are Looking For

Education

• - Relevant educational qualifications in finance, business administration, or related fields.

Experience

• - Proven 3 years’ experience in BFSI, particularly in loan against property.
• - Experience in managing teams and working with DSAs/DSTs and channel partners.

Skills and Attributes

• - Strong relationship management and communication skills.
• - Ability to foster cooperation and work effectively across different mediums.
• - Sales-oriented with a risk-averse approach.
• - Knowledge of digital enablement and customer-centric strategies.
• - Analytical mindset with the ability to identify market trends and recommend improvements.