Territory Manager-Loan against Property

IDFC FIRST Bank; Kota; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

IDFC FIRST Bank in India is seeking a Territory Manager - Loan Against Property to source loans through DSAs, DSTs, and partners, while building a high-quality loan portfolio and leading a team.

You will balance sales objectives with risk management, ensure compliance, and stay updated on retail asset products and market trends. The role emphasizes customer service and cross-functional collaboration.

Qualifications

• Graduation in any discipline.
• Minimum 3 years of experience in loan sourcing or retail banking.
• Strong communication and relationship management skills.
• Ability to lead teams and cross-functional collaboration.

Responsibilities

• Source and manage market channels to acquire new loan customers.
• Build and maintain a quality loan portfolio with minimal delinquencies and rejections.
• Ensure adherence to internal policies and regulatory guidelines.
• Stay updated with retail asset products and market trends.
• Deliver high-quality customer service and drive process improvements.

Skills

Market and product knowledge

Communication & relationship mgmt

Team leadership

Compliance orientation

Education

Graduation in any discipline

Job description

Job Requirements

About the Role

The Territory Manager - Loan Against Property is responsible for sourcing loans through market channels such as DSAs, DSTs, and existing partners. The role involves building and maintaining a high-quality loan portfolio, managing a team, and fostering strong relationships across stakeholders. The Territory Manager must ensure compliance with internal policies and guidelines while balancing sales objectives with risk management to support the broader goals of the bank.

Key Responsibilities

Primary Responsibilities

• Source and manage business channels from the market to acquire new loan customers.
• Build and maintain a quality loan portfolio by minimizing delinquencies and rejections.
• Ensure adherence to internal policies and regulatory guidelines.

Secondary Responsibilities

• Stay updated with retail asset products, operational processes, and market trends.
• Identify evolving market dynamics and develop channels to enhance business acquisition.
• Deliver high-quality customer service and recommend process improvements to drive operational efficiency.

What We Are Looking For

Education

• Graduation: Any discipline

Experience

• Minimum 3 years of relevant experience in loan sourcing or retail banking

Skills and Attributes

• Strong understanding of retail asset products and market trends
• Excellent communication and relationship management skills
• Ability to lead teams and collaborate across functions.
• Customer-centric approach with a focus on quality and compliance