Territory Manager-Home Loans LIG/MIG

IDFC FIRST Bank; Kota; On-site; INR 600,000 - 900,000; Full time

Job summary

IDFC FIRST Bank is seeking a Territory Manager-Home Loan and Suvidha LAP to drive sourcing and relationship growth with the bank's existing customer base across Retail Banking. The role emphasizes cross-selling, customer engagement, and smooth processing in coordination with internal teams to ensure high service standards while maintaining regulatory compliance.

You will manage end-to-end lifecycle from lead generation to disbursement, meet monthly and quarterly targets, and collaborate with

Qualifications

• 2–7 years of BFSI experience.
• Experience in retail lending and customer engagement.
• Manager/Senior Manager level experience.

Responsibilities

• Generate Home Loan/Suvidha leads through internal channels including branches, relationship managers, call centres, and loan centres.
• Engage with existing customers to understand financial needs and offer suitable Home Loan/Suvidha solutions.
• Conduct customer meetings to assess eligibility, financial standing, and property documentation.
• Ensure smooth processing of applications, documentation, and disbursement coordination.
• Deliver timely support and personalized service to enhance customer satisfaction.
• Achieve monthly, quarterly, and annual sales targets through cross-sell initiatives.
• Track and report sales performance, pipeline status, and market feedback to senior management.
• Ensure adherence to internal processes, audit guidelines, and regulatory compliance.
• Coordinate with credit, operations, legal, and technical teams for efficient loan processing.

Skills

Relationship management

Cross-selling

Customer engagement

Education

Graduate Degree

Postgraduate Degree (preferred)

Professional Certifications (preferred)

Job description

Job Requirements

Role/Job Title: Territory Manager-Home Loan and Suvidha LAP

Business: Retail Banking

Function department: Home Loans

Job Purpose

Territory Manager – Home Loan and Suvidha LAP, Direct is responsible for sourcing Home Loan/Suvidha business from the bank’s existing customer base. This role focuses on relationship management, cross-selling, and customer engagement to drive business growth and profitability. The position requires strong coordination with internal teams and a commitment to delivering high service standards while ensuring compliance with regulatory norms.

Key Responsibilities

Primary Responsibilities

• Generate Home Loan/Suvidha leads through internal channels including branches, relationship managers, call centres, and loan centres.
• Engage with existing customers to understand financial needs and offer suitable Home Loan/Suvidha solutions.
• Conduct customer meetings to assess eligibility, financial standing, and property documentation.
• Ensure smooth processing of applications, documentation, and disbursement coordination.
• Deliver timely support and personalized service to enhance customer satisfaction.
• Achieve monthly, quarterly, and annual sales targets through cross-sell initiatives.
• Track and report sales performance, pipeline status, and market feedback to senior management.
• Ensure adherence to internal processes, audit guidelines, and regulatory compliance.
• Coordinate with credit, operations, legal, and technical teams for efficient loan processing.

Secondary Responsibilities

• Maintain strong knowledge of Home Loan/Suvidha products, lending norms, and documentation.
• Identify and convert sales opportunities from existing customer relationships.
• Promote digital enablement to fulfill customer needs holistically.
• Demonstrate excellent communication, presentation, and interpersonal skills.
• Ensure effective cross-functional coordination and relationship management.
• Utilize banking systems and customer management platforms efficiently.

Education

• Graduate Degree: Any stream
• Postgraduate Degree: Any stream (preferred)
• Professional Certifications: Preferred but not mandatory

Experience

• 2–7 years of relevant experience in BFSI, preferably in retail lending and customer engagement.
• Role Level: Manager / Senior Manager