Territory Manager-Cross Sell (SME Loans)

Idfc First Bank Limited; Delhi; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Idfc First Bank Limited is seeking a Territory Manager - Cross Sell (SME) to source loans through markets and channel partners while building a quality portfolio. You will lead a team, nurture relationships, and align with policies to support sales and manage risk.

The role requires managing DSAs/DSTs and channel partners, with a focus on digital enablement and customer-centric services to drive growth.

Qualifications

• 2-5 years BFSI experience, especially in loans.
• Experience with DSAs/DSTs and channel partners.
• Knowledge of retail assets, products, operations and market trends.
• Ability to drive process improvements with risk-aware sales.

Responsibilities

• Source and manage market channels and acquire business.
• Maintain a quality portfolio by reducing delinquency and rejections.
• Understand retail assets, products, operations, and market trends.
• Identify trends and develop channels to grow business with strong service.
• Recommend process and policy improvements across Retail Banking.
• Foster digital enablement to fulfill customer needs.
• Support rapid growth initiatives.

Skills

Relationship management

Communication skills

Sales orientation

Digital enablement

Customer-centric

Market analysis

Education

Finance, Business Administration or related fields

Job description

Job Requirements

About the Role

The Territory Manager - Cross Sell ( SME ) is responsible for sourcing loans from the market using DSAs/DSTs and existing channel partners, while establishing a quality portfolio. This role involves managing a team, maintaining strong relationships, fostering cooperation, and communicating effectively across various mediums. The role holder must ensure adherence to policies and guidelines, executing tasks in a manner that supports sales and mitigates risk, thereby contributing to the bank's broader objectives.

Key Responsibilities

Primary Responsibilities

• Source and manage channels from the market and acquire business from them.
• Ensure a quality portfolio by minimizing delinquency and rejection.
• Possess extensive knowledge and understanding of retail assets, products, operations, and current market trends.
• Identify changing market trends and develop channels for acquiring business while providing high-quality customer service.
• Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and enhance customer service.

Secondary Responsibilities

• Create an environment for the team to focus on digital enablement to holistically fulfill customer needs.
• Drive initiatives to meet the bank's rapid growth targets.

What We Are Looking For

Education

• Relevant educational qualifications in finance, business administration, or related fields.

Experience

• Proven 2-5 years’ experience in BFSI, particularly in loan against property.
• Experience in managing teams and working with DSAs/DSTs and channel partners.

Skills and Attributes

• Strong relationship management and communication skills.
• Ability to foster cooperation and work effectively across different mediums.
• Sales-oriented with a risk-averse approach.
• Knowledge of digital enablement and customer-centric strategies.
• Analytical mindset with the ability to identify market trends and recommend improvements.