Territory Manager - Business Loan (Direct)

IDFC FIRST Bank; Ranchi; On-site; INR 600,000 - 900,000; Full time

Job summary

Idfc First Bank Limited requires a Territory Manager – Business Loan (Direct) to source loans via Direct channel partners while building a high-quality loan book. You will lead a team, manage relationships, and ensure compliance with internal policies and regulatory guidelines.

Ideal candidates have at least 2 years' sales experience in BFSI, with strong English communication, analytical skills, and a bias for portfolio quality and risk management.

Qualifications

• Candidate should have 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.
• Analytical mindset with focus on portfolio quality and risk management.
• Ability to lead teams and coordinate with multiple stakeholders.
• High level of integrity and commitment to compliance.

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

Skills

Retail lending products

Credit operations

Team leadership

Communication skills

Portfolio risk management

Stakeholder coordination

Education

Graduate degree

Postgraduate qualification preferred

Job description

Job Requirements

About the Role

The Territory 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 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.