Territory Manager-Cross Sell (SME Loans)

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

Job summary

IDFC FIRST Bank in Mumbai seeks a Territory Manager - Cross Sell (SME Loans) to source SME loan business via DSAs, DSTs and partners, and to build a quality loan portfolio while ensuring compliance and risk controls.

You will lead a team, nurture partner relationships, monitor market trends and drive business growth with operational discipline and customer service excellence.

Qualifications

• Minimum 3 years of relevant experience in SME loan sales or related financial services.
• Graduation from a recognised institution.
• Strong understanding of retail asset products and market dynamics.

Responsibilities

• Source SME loan business through DSAs, DSTs and other channels.
• Build and manage a high-quality loan portfolio with low delinquencies and rejections.
• Maintain strong relationships with channel partners to ensure steady business flow.
• Monitor market trends to identify new business opportunities.
• Ensure compliance with internal policies and regulatory requirements.
• Provide insights to improve processes within Retail Banking.
• Lead a team and drive collaboration across stakeholders.

Skills

SME loan sales

Channel management

Sales leadership

Communication

Regulatory compliance

Analytical mindset

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