Territory Manager-2 Wheeler Loan

IDFC FIRST Bank; Bargarh; On-site; INR 600,000 - 1,000,000; Full time

Job summary

IDFC FIRST Bank in Odisha (Bargarh region) seeks a Territory Manager – 2-Wheeler Loans to source and manage loan business through dealers and channel partners, build a high-quality portfolio, and lead a team to grow while ensuring compliance.

The role requires 2+ years in retail lending, strong English communication, and the ability to coordinate across sales channels and credit operations to expand market presence.

Qualifications

• Graduate in any discipline; MBA/PGDM preferred.
• Minimum 2 years of relevant experience in retail lending.
• Experience with 2-wheeler loans or asset-based financing preferred.
• Strong communication in English (verbal and written).
• Ability to lead teams and manage dealers and channel partners.

Responsibilities

• Source and manage business through dealers and market channels.
• Acquire new customers and ensure loan disbursement volumes.
• Maintain high-quality loan portfolio by minimizing delinquencies and rejections.
• Monitor channel partners and align with business goals.
• Stay updated on retail asset products, processes, and market trends.
• Identify evolving market dynamics and develop channel development strategies.
• Ensure adherence to internal policies and compliance.
• Suggest improvements to sales processes and credit policies.
• Foster collaboration across departments for seamless service delivery.
• Improve sourcing from strategic alliances and direct channels.

Skills

Retail lending

Credit operations

Sales channel management

Communication skills

Negotiation

Relationship management

Team leadership

Portfolio risk management

Integrity & compliance

Education

Graduate in any discipline

MBA/PGDM preferred

Job description

About the Role

The Territory Manager – 2-Wheeler 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.