Territory Manager-2 Wheeler Loan

Idfc First Bank Limited; Jammu and Kashmir; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Idfc First Bank Limited is seeking a Territory Manager for 2-Wheeler Loans to source business through dealers and channel partners while building a high-quality loan portfolio. The role requires leading a team, maintaining strong relationships, and driving growth with risk awareness.

You will monitor market trends, stay updated on products, and ensure adherence to policies while expanding strategic alliances and direct channels. English communication and leadership are essential.

Qualifications

• Graduate in any discipline.
• MBA/PGDM preferred.
• Minimum 2 years in retail lending, preferably in 2-wheeler loans or similar asset-based financing.
• Excellent English communication skills and client-facing demeanor.

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 regulatory guidelines.
• Recommend improvements to sales processes and credit policies.

Skills

Channel sales

Retail lending

Credit operations

Relationship management

Communication

Team leadership

Negotiation

Market development

Education

Bachelor's degree

MBA/PGDM preferred

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.

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.