Territory Manager-Cross Sell (SME Loans)

IDFC FIRST Bank; Kanpur; On-site; INR 900,000 - 1,400,000; Full time

Job summary

IDFC FIRST Bank in India is seeking a Territory Manager - Cross Sell (SME Loans) to lead sourcing of SME loan business through DSAs, DSTs and channel partners, while building a high-quality loan portfolio and ensuring policy compliance.

You will lead a team, nurture relationships with partners, and drive sales growth with disciplined risk and operations management.

Qualifications

• Graduation in any discipline from a recognised institution.
• Minimum 3 years of relevant experience in SME loan sales or financial services.
• Strong communication and interpersonal skills with high integrity and compliance awareness.
• Analytical mindset and leadership capabilities.

Responsibilities

• Source SME loan business through DSAs, DSTs, and other market channels.
• Build and manage a high-quality loan portfolio while minimizing delinquencies and rejections.
• Maintain strong relationships with channel partners to ensure consistent business flow.
• Monitor market trends to identify new business opportunities.
• Ensure compliance with internal policies and external regulatory requirements.
• Provide insights to improve processes within Retail Banking and promote collaboration.
• Lead a team and drive stakeholder management for sales growth and risk control.
• Support delivery of high-quality customer service through process improvements.

Skills

Retail assets

Channel management

Communication skills

Integrity & compliance

Analytical mindset

Team leadership

Education

Graduation

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