Territory Manager-Business Loan

Idfc First Bank Limited; Nashik District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Idfc First Bank Limited is seeking a Territory Manager based in Mumbai to source loans through DSAs and channel partners, while building and maintaining a high-quality loan portfolio. The role entails team leadership, strong relationship management, and cross-functional communication across sales, credit, and operations.

You will stay abreast of retail asset products and market trends, drive channel development, ensure timely disbursements, and uphold regulatory compliance and internal policies

Qualifications

• Graduate in any discipline
• Postgraduate qualification is preferred
• Minimum 2 years of relevant sales experience in BFSI
• Strong understanding of retail lending products and credit operations
• Proven ability to manage sales channels and drive business growth
• Excellent verbal and written communication in English
• Analytical mindset focused on portfolio quality and risk management
• Ability to lead teams and coordinate with multiple stakeholders
• High integrity and commitment to compliance

Responsibilities

• Source and manage business through DSAs and other market channels
• Acquire new customers and ensure consistent loan disbursement volumes
• Maintain a high-quality loan portfolio by minimizing delinquencies and rejections
• Stay updated on retail asset products, operations, and market trends
• Identify evolving market dynamics and develop channel development strategies
• Deliver high-quality customer service and ensure customer satisfaction
• Collaborate with internal teams to support automation and digital initiatives
• Support strategic sales and service initiatives to drive growth

Skills

Retail lending knowledge

Sales channel management

English communication

Portfolio risk management

Team leadership

Compliance integrity

Education

Graduate degree

Postgraduate preferred

Job description

Job Requirements

About the Role

The Territory Manager is responsible for sourcing loans through Direct Selling Agents (DSAs) and existing channel partners, while building and maintaining a high-quality loan portfolio. Based in Mumbai, the role involves managing a team, fostering strong relationships, and ensuring effective communication across various channels. The role holder must ensure strict adherence to internal policies and regulatory guidelines, balancing business growth with risk management to support the broader objectives of the bank.

Key Responsibilities

Primary Responsibilities

• Source and manage business through DSAs and other market channels.
• Acquire new customers and ensure consistent loan disbursement volumes.
• Maintain a high-quality loan portfolio by minimizing delinquencies and rejections.
• Stay updated on retail asset products, operations, and current market trends.
• Identify evolving market dynamics and develop strategies for channel development and customer acquisition.
• Deliver high-quality customer service and ensure customer satisfaction.
• Recommend improvements to sales processes and policies to enhance operational efficiency and service quality.

Secondary Responsibilities

• Collaborate with internal teams to support automation and digital initiatives.
• Contribute to the bank’s growth targets by supporting strategic sales and service initiatives.

What We Are Looking For

Education

• Graduate in any discipline.
• Postgraduate qualification is preferred.

Experience

• Minimum 2 years of relevant experience in sales, preferably within the BFSI (Banking, Financial Services, and Insurance) sector.

Skills and Attributes

• Strong understanding of retail lending products and credit operations.
• Proven ability to manage sales channels and drive business growth.
• Excellent verbal and written communication skills in English are essential..
• 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.