Territory Manager-2 Wheeler Loan

IDFC FIRST Bank; Byasanagar; On-site; INR 800,000 - 1,200,000; Full time

Job summary

IDFC FIRST Bank invites applications for Territory Manager – 2-Wheeler Loans in India. The role focuses on sourcing and managing loan business through dealers and channel partners, building a high-quality portfolio while adhering to policy and risk guidelines.

You will lead a team, manage relationships, monitor portfolio quality, and drive growth across retail lending; requires graduate degree, MBA preferred, and 2+ years in retail lending.

Qualifications

• Graduate with strong understanding of retail lending products and credit operations.
• MBA/PGDM preferred for strategic leadership roles.
• 2+ years of relevant experience in retail lending, preferably 2-wheeler loans or asset-based financing.

Responsibilities

• Source and manage business through dealers and 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 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, processes, and compliance.

Skills

Retail lending

Credit operations

Channel management

Team leadership

Negotiation

Relationship management

Portfolio risk management

English communication

Education

Graduate

MBA/PGDM

Job description

Job Description:

Job Requirements

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.

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.