Territory Manager-Commercial Vehicles

Idfc First Bank Limited; Mumbai; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Idfc First Bank Limited in India seeks a Territory Manager for Commercial Vehicle Loans to drive sales and manage the loan portfolio across an assigned territory, including construction equipment loans. You will focus on achieving monthly targets, ensuring portfolio profitability and hygiene, and cross-selling products.

The role requires proactive field engagement, extensive travel within the territory, strong relationship management, and disciplined documentation and collections oversight.

Qualifications

• Graduate in any discipline; postgraduate preferred.
• Min 3 years in sales or portfolio management in CV or construction equipment loan.
• Field operations and customer relationship management experience preferred.
• Strong sales orientation and ability to meet targets.

Responsibilities

• Achieve monthly sales targets across key scorecard parameters (volume, ROI, cross-sell, fee income).
• Oversee post-disbursement documentation and collections; ensure portfolio profitability.
• Travel across territory to drive business and customer engagement.
• Maintain portfolio hygiene and profitability through monitoring and corrective actions.

Skills

Sales

Portfolio mgmt

Cross-sell

Travel

Communication

Analytics

Portfolio hygiene

Education

Graduate degree

Postgraduate degree

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.