Territory Manager-Commercial Vehicles

Idfc First Bank Limited; Kozhikode district; In loco; INR 600.000 - 1.200.000; Tempo pieno

Descrizione del lavoro

IDFC FIRST Bank Limited is seeking a Territory Manager for Commercial Vehicle Loans to drive sales and manage the loan portfolio across the assigned territory. The role entails meeting monthly targets, cross-selling products, monitoring collections, and ensuring portfolio profitability.

Significant travel within the territory is expected. The ideal candidate has 2–5 years of relevant experience, a graduate degree (postgraduate preferred), and strong communication and portfolio management skills

Competenze

• Education: Graduate in any discipline; Postgraduate degree preferred.
• Experience: 2–5 years in sales or portfolio management in commercial vehicle or construction equipment loan segments.
• Skills: Strong sales drive, portfolio hygiene, cross-sell opportunities, and excellent communication.

Mansioni

• Achieve monthly sales targets across volume, ROI, and cross-sell (Insurance).
• Maintain portfolio hygiene and profitability of construction equipment loan portfolio.
• Travel across the territory to drive business and customer engagement.
• Monitor collections and documentation; ensure timely post-disbursement actions.

Conoscenze

Strong sales orientation

Excellent communication

Interpersonal skills

Analytical mindset

Portfolio hygiene

Willingness to travel

Formazione

Graduate degree

Postgraduate degree (preferred)

Descrizione del lavoro

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 2-5 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.