Territory Manager-Construction Equipment Loans

IDFC FIRST Bank; Thane; On-site; INR 600,000 - 900,000; Full time

Job summary

IDFC FIRST Bank is seeking a Territory Manager for Construction Equipment Loans to drive sales and manage the loan portfolio across an assigned territory. The role emphasizes achieving monthly targets, portfolio hygiene, profitability, and proactive field engagement.

You will travel within the territory, cross-sell insurance, monitor collections and documentation, and contribute to expanding the bank’s footprint in the construction equipment loan segment.

Qualifications

• Graduate in any discipline.
• Postgraduate degree preferred.
• Minimum 3 years of relevant experience in sales or portfolio management.
• Experience in field operations and customer relationship management is preferred.

Responsibilities

• Achieve monthly sales targets across scorecard parameters.
• Monitor pricing/ROI and fee income.
• Cross-sell insurance and ensure post-disbursement documentation.
• Travel across the assigned territory to engage customers.
• Manage portfolio hygiene and collections.

Skills

Sales

Portfolio mgmt

Field ops

CRM

Travel

Cross-sell

Communication

Analytical

Education

Graduate degree

Postgraduate degree

Job description

Job Requirements

About the Role

The Territory Manager – Construction Equipment 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.