Territory Manager-Car Loans

IDFC FIRST Bank; Agra; On-site; INR 600,000 - 1,000,000; Full time

Job summary

IDFC FIRST Bank is seeking a Territory Manager – Car Loans based in Agra, India. The successful candidate will be responsible for acquiring new customers for car loans by engaging with them directly and promoting products. Ideal candidates should be graduates with 2 to 7 years of sales experience, preferably in car loans. Strong communication skills, a customer-centric approach, and knowledge of banking operations are essential. This role offers a chance to contribute to the bank's growth and meet strategic objectives.

Qualifications

• 2 to 7 years of relevant experience in sales, preferably in car loans or retail lending.

Responsibilities

• Acquire car loan customers within the identified segment and catchment area.
• Meet and exceed monthly targets for new customer acquisition.
• Provide regular feedback to Relationship Managers on customer requirements.
• Ensure adherence to selling norms and standard operating procedures.
• Maintain strict compliance with internal policies and external regulatory guidelines.

Skills

Excellent verbal and written communication skills in English

Customer-centric approach

Ability to analyze customer needs

Knowledge of car loan products

Leadership and mentoring capabilities

Familiarity with digital banking tools

Education

Graduate in any discipline

Postgraduate qualification preferred

Job description

Job Requirements

About the Role

The Territory Manager – Car Loans is responsible for acquiring new customers for car loans across designated regions in India. This role involves direct customer engagement, promoting car loan products, and ensuring high-quality service delivery. The role holder will analyze customer needs, ensure compliance with internal and external guidelines, and contribute to the bank’s growth by disbursals and maintaining portfolio quality. Additionally, the role supports digital enablement and team development to meet the bank’s strategic objectives.

Key Responsibilities

Primary Responsibilities

• Acquire car loan customers within the identified segment and catchment area.
• Meet and exceed monthly targets for new customer acquisition by analyzing transaction banking needs.
• Provide regular feedback to Relationship Managers on customer requirements and business opportunities.
• Ensure adherence to selling norms and standard operating procedures (SOPs) defined by the organization.
• Maintain strict compliance with internal policies and external regulatory guidelines.
• Ensure high-quality sourcing in line with the bank’s credit and operational policies.

Secondary Responsibilities

• Foster a team environment focused on digital enablement to meet customer needs effectively.
• Drive initiatives aligned with the bank’s rapid growth targets.

What We Are Looking For

Education

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

Experience

• 2 to 7 years of relevant experience in sales, preferably in car loans or retail lending.

Skills and Attributes

• Excellent verbal and written communication skills in English are essential.
• Customer-centric approach with a focus on service excellence.
• Ability to analyze customer needs and identify business opportunities.
• Knowledge of car loan products and banking operations.
• Commitment to compliance and operational discipline.
• Leadership and mentoring capabilities.
• Familiarity with digital banking tools and automation practices.

Key Success Metrics

• Loan disbursals
• Growth metrics
• File-to-disbursal conversion rate
• Third‑party disbursal (TPD)
• Insurance penetration