Territory Manager - Business Loan Direct

Idfc First Bank Limited; India; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Idfc First Bank Limited in India is seeking a Territory Manager - Business Loan (Direct) to source loans through Direct channel partners and lead a sales team. You will build strong client relationships, ensure portfolio quality, and comply with internal policies and regulatory guidelines while balancing growth with risk.

You will stay updated on retail asset products and market trends, drive channel development, and push customer acquisition.

Qualifications

• Minimum 2 years of relevant sales experience in BFSI.
• Strong understanding of retail lending products and credit operations.
• Excellent verbal and written communication in English.
• Analytical mindset with focus on portfolio quality and risk management.
• Ability to lead teams and coordinate with multiple stakeholders.
• High level of integrity and compliance.

Responsibilities

• Acquire new customers and drive 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.

Skills

Retail lending products

Credit operations

Sales channel management

English communication

Team leadership

Compliance and integrity

Education

Graduate in any discipline

Postgraduate qualification preferred

Job description

Job Description:

Job Requirements

About the Role

TheTerritory Manager - Business Loan (Direct)is responsible for sourcing loans through Direct channel partners, while building and maintaining a high-quality loan portfolio. 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

• 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 2years 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.

Requirements