Territory Manager-2 Wheeler Loan

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

Job summary

IDFC FIRST Bank in Mangaluru is hiring a Territory Manager for 2-Wheeler Loans, responsible for sourcing and managing loan business through dealers and channel partners.

The ideal candidate will have a strong understanding of retail lending products, proven experience in sales channel management, and excellent communication skills. They will lead a team to drive business growth while ensuring compliance with internal policies.

Qualifications

• Minimum 2 years of relevant experience in retail lending, preferably in 2-wheeler loans or similar asset-based financing.
• Strong understanding of retail lending products and credit operations.
• Excellent verbal and written communication skills in English.

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.
• Identify evolving market dynamics and develop strategies for channel development.

Skills

Retail lending products knowledge

Communication skills

Sales channel management

Analytical skills

Risk management

Team leadership

Education

Graduate in any discipline

Postgraduate qualification (MBA/PGDM)

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.