Territory Manager-2 Wheeler Loan

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

Job summary

IDFC FIRST Bank in India is looking for a Territory Manager – 2-Wheeler Loans to source and manage loan business through dealers and channel partners. The role aims to build a high-quality asset portfolio while following internal policies and regulatory guidelines, and to lead a team toward sustainable growth in a risk-conscious manner.

The ideal candidate will have at least 2 years in retail lending, strong English communication, and proven ability to manage sales channels, negotiate, and drive

Qualifications

• Graduate in any discipline; MBA/PGDM preferred.
• Minimum 2 years of relevant experience in retail lending, preferably in 2-wheeler loans or similar asset-based financing.

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.
• 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.

Skills

Retail lending knowledge

Credit operations

Verbal & written English communication

Sales channel management

Negotiation & relationship skills

Portfolio quality & risk management

Team leadership & stakeholdercoord.

Integrity & compliance

Education

Graduate in any discipline

MBA/PGDM preferred

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.