Territory Manager-Cross Sell (SME Loans)

IDFC FIRST Bank; Pune District; Sur place; INR 1 200 000 - 1 800 000; Plein temps

Résumé du poste

Idfc First Bank Limited in Pune seeks a Territory Manager – Cross Sell (SME Loans) to source SME loan business through DSAs, DSTs, and partners while building a robust loan portfolio and managing risk. The role leads a team, fostering strong relationships to support sales growth and regulatory compliance.

The candidate will drive channel performance, work with sales and risk teams, and ensure operational discipline across processes and controls. 3+ years of SME loan sales experience is preferred.

Qualifications

• Graduation in any discipline from a recognised institution.
• Minimum of 3 years of relevant SME loan sales experience.

Responsabilités

• Source SME loan business through DSAs, DSTs and channel partners.
• 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 opportunities and drive growth.
• Ensure compliance with internal policies and regulatory requirements.

Connaissances

Retail asset products

Channel management

Sales leadership

Stakeholder management

Communication skills

Compliance adherence

Formation

Graduation (any discipline)

Description du poste

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