Territory Manager-Commercial Vehicles

Idfc First Bank Limited; Dahod; Hybrid; INR 800,000 - 1,500,000; Full time

Job summary

Idfc First Bank Limited is seeking a Territory Manager – Commercial Vehicle Loans to drive sales and manage the loan portfolio across the assigned territory in India. The role emphasizes field engagement, cross-selling, portfolio hygiene, and profitability with a focus on construction equipment loans.

The candidate will travel within the territory, handle end-to-end loan processes, and contribute to expanding the bank’s footprint by achieving monthly targets and maintaining strong customer

Qualifications

• Graduate in any discipline.
• Postgraduate degree preferred.

Responsibilities

• Achieve monthly sales targets across key scorecard parameters: Business Volume (Units/Loan Value), ROI pricing, cross-sell (Insurance), fee income, post disbursement documentation (PDD).
• Manage portfolio hygiene and profitability of the construction equipment loan portfolio.
• Proactively travel across the assigned territory to drive business and customer engagement.
• Monitor collections and documentation to ensure portfolio health and profitability.

Skills

Sales orientation

Target achievement

Portfolio management

Cross-selling

Communication skills

Analytical mindset

Territory travel

Education

Graduate degree

Postgraduate degree preferred

Job description

Job Requirements

About the Role

The Territory Manager – Commercial VehicleLoans 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.