Territory Manager-Commercial Vehicles

Idfc First Bank Limited; Bhavnagar; On-site; INR 600,000 - 900,000; Full time

Job summary

Idfc First Bank Limited is seeking a Territory Manager to drive commercial vehicle loan sales and manage the loan portfolio across the assigned territory. The role emphasizes proactive field engagement, cross-selling of products, and close monitoring of collections and documentation to ensure profitability.

The incumbent will expand the bank's footprint in the construction equipment loan segment, travel extensively within the territory, and maintain portfolio hygiene while achieving monthly

Qualifications

• Graduate in any discipline; postgraduate degree preferred.
• Experience in sales or portfolio management in CV loan or construction equipment loan segments.

Responsibilities

• Achieve monthly sales targets across scorecard parameters: volume, ROI, cross-sell, and fees.
• Ensure portfolio hygiene and profitability of the construction equipment loan book.
• Proactively travel within the assigned territory to drive business and customer engagement.
• Monitor collections and post-disbursement documentation to ensure compliance.
• Collaborate with product and credit teams to optimize pricing and processes.

Skills

Sales orientation

Portfolio management

Travel willingness

Cross-sell opportunities

Communication skills

Portfolio hygiene

Education

Graduate

Postgraduate preferred

Job description

Job Requirements

About the Role

The Territory Manager – Commercial Vehicle Loans will be responsible for driving sales and managing the loan portfolio across an assigned territory. This includes achieving monthly business targets, maintaining portfolio hygiene, and ensuring profitability. The role requires proactive field engagement, cross‑selling of products, and close monitoring of collections and documentation. The incumbent will play a key role in expanding the bank’s footprint in the construction equipment loan segment.

Key Responsibilities

Primary Responsibilities

• Achieve monthly sales targets across key scorecard parameters:
• Business Volume (Units/Loan Value)
• Pricing/Rate of Interest (ROI)
• Cross-sell (Insurance)
• Fee Income
• Post Disbursement Documentation (PDD)
• Collection Management
• Ensure consistent growth and profitability of the construction equipment loan portfolio.

Secondary Responsibilities

• Proactively travel across the assigned territory to drive business and customer engagement.
• Manage overall portfolio hygiene and ensure profitability through regular monitoring and corrective actions.

What We Are Looking For

Education

• Graduate in any discipline.
• Postgraduate degree (preferred).

Experience

• Minimum 3 years of relevant experience in sales or portfolio management within the commercial vehicle or construction equipment loan segment.
• Experience in field operations and customer relationship management is preferred.

Skills and Attributes

• Strong sales and target achievement orientation.
• Ability to manage collections and documentation efficiently.
• Willingness to travel extensively within the assigned territory.
• Good understanding of loan products and cross‑sell opportunities.
• Excellent communication and interpersonal skills.
• Analytical mindset with a focus on portfolio hygiene and profitability.