Territory Manager-Cross Sell (SME Loans)

IDFC FIRST Bank; Ludhiana; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

IDFC FIRST Bank is seeking a Territory Manager - Cross Sell (SME Loans) to drive SME loan growth through DSAs, DSTs and channel partners. You will lead a team while building a high-quality loan portfolio and ensuring compliance.

You will monitor market trends, maintain partnerships, and deliver excellent customer service through process improvements and collaboration across Retail Banking.

Qualifications

• Graduation in any discipline from a recognised institution.
• Minimum 3 years' experience in SME loan sales or related financial services.
• Strong communication, interpersonal, and leadership abilities.

Responsibilities

• Source SME loan business through DSAs, DSTs, and market channels.
• Build and manage a high-quality loan portfolio with controlled delinquencies and rejections.
• Maintain relationships with channel partners to ensure consistent business flow.
• Monitor market trends to identify new business opportunities.
• Ensure compliance with internal policies and external regulations.
• Provide process improvements and promote collaboration across Retail Banking.

Skills

Retail asset products

Market dynamics

Sales channel management

Communication skills

Integrity & compliance

Analytical mindset

Team leadership

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