Territory Manager-Cross Sell (SME Loans)

Idfc First Bank Limited; Ahmedabad District; On-site; INR 800,000 - 1,400,000; Full time

Job summary

Idfc First Bank Limited is seeking a Territory Manager – Cross Sell (SME Loans) to source SME loan business through DSAs, DSTs, and channel partners. You will lead a team, build a high-quality loan portfolio, and ensure compliance with policies and regulatory requirements.

Ideal candidates have at least 3 years in SME loan sales, strong knowledge of retail assets, and excellent communication skills. The role emphasizes collaboration, risk-aware growth, and service quality across stakeholders.

Qualifications

• Graduation: Full time graduate in any discipline from a recognised institution.
• Minimum of 3 years of SME loan sales or related financial services.
• Strong understanding of retail asset products and market dynamics.
• Excellent communication and interpersonal skills.
• Team leadership and stakeholder management capabilities.

Responsibilities

• Source SME loan business through DSAs, DSTs, and other market channels.
• Build and manage a high-quality loan portfolio by minimizing delinquencies and rejections.
• Maintain strong relationships with channel partners to ensure consistent business flow.
• Monitor and adapt to changing market trends to identify new business opportunities.
• Ensure compliance with all internal policies and external regulatory requirements.
• Provide insights and recommendations to improve processes and policies within the Retail Banking function.
• Promote a culture of collaboration, effective communication, and operational efficiency.
• Support the delivery of high-quality customer service through process improvements and team enablement.

Skills

Retail asset products

Channel partner management

Sales leadership

Communication skills

Analytical mindset

Stakeholder management

Education

Graduation: Full time

Job description

Job Requirements

About the Role

The Territory Manager – Cross Sell (SME Loans) is responsible for sourcing SME loan business through Direct Selling Agents (DSAs), Direct Sales Teams (DSTs), and existing channel partners. The role involves building and managing a high-quality loan portfolio while ensuring adherence to internal policies and regulatory guidelines. The incumbent will lead a team, foster strong relationships, and drive collaboration across stakeholders to support both sales growth and risk management. This role is critical in contributing to the bank’s broader objectives by balancing business development with operational discipline.

Key Responsibilities

Primary Responsibilities

• Source SME loan business through DSAs, DSTs, and other market channels.
• Build and manage a high-quality loan portfolio by minimizing delinquencies and rejections.
• Maintain strong relationships with channel partners to ensure consistent business flow.
• Monitor and adapt to changing market trends to identify new business opportunities.
• Ensure compliance with all internal policies and external regulatory requirements.

Secondary Responsibilities

• Provide insights and recommendations to improve processes and policies within the Retail Banking function.
• Promote a culture of collaboration, effective communication, and operational efficiency.
• Support the delivery of high-quality customer service through process improvements and team enablement.

What We Are Looking For

Education

• Graduation: Full time graduate in any discipline from a recognised institution.

Experience

• Minimum of 3 years of relevant experience in SME loan sales or related financial services.

Skills and Attributes

• Strong understanding of retail asset products and market dynamics
• Proven ability to manage sales channels and drive business acquisition
• Excellent communication and interpersonal skills
• High level of integrity and adherence to compliance standards
• Analytical mindset with the ability to identify trends and opportunities
• Team leadership and stakeholder management capabilities