Territory Manager-Business Loan

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

Job summary

IDFC First Bank Limited seeks a Territory Manager to source loans and manage DSAs and partner channels while ensuring risk controls and regulatory compliance. You will lead a team, build strong relationships, and drive growth through multiple channels, delivering superior service and maintaining portfolio quality.

The role emphasizes collaboration with internal teams and adherence to bank policies, with focus on strategic sales initiatives and customer satisfaction in a dynamic market.

Qualifications

• Graduate in any discipline; postgraduate qualification preferred.
• Minimum 2 years of relevant BFSI sales experience.
• Strong understanding of retail lending products and credit operations.

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 channel development strategies.
• Deliver high-quality customer service and ensure customer satisfaction.
• Recommend improvements to sales processes and policies to enhance efficiency.

Skills

Retail lending

Sales channel management

English communication

Portfolio risk mgmt

Team leadership

Compliance integrity

Education

Graduate in any discipline

Postgraduate qualification 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.