Territory Manager-Commercial Vehicles

IDFC FIRST Bank; Patiala District; On-site; INR 600,000 - 1,200,000; Full time

Job summary

IDFC FIRST Bank is seeking a Territory Manager for Commercial Vehicle Loans in Patiala District, India. This role involves driving sales, managing the loan portfolio, and achieving monthly business targets. The ideal candidate should have a graduate degree and a minimum of 3 years of experience in sales or portfolio management, particularly in the commercial vehicle or construction equipment loan segment. Effective communication, strong sales orientation, and willingness to travel extensively are essential for success.

Qualifications

• Graduate in any discipline; postgraduate degree preferred.
• Minimum 3 years of relevant experience in sales or portfolio management.

Responsibilities

• Achieve monthly sales targets across key scorecard parameters.
• Manage overall portfolio hygiene to ensure profitability.
• Travel across the assigned territory to drive business.

Skills

Sales and target achievement

Collections management

Communication skills

Interpersonal skills

Analytical mindset

Understanding of loan products

Education

Graduate in any discipline

Postgraduate degree (preferred)

Job description

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.