Territory Manager-Personal Loan (Partner Business)

Idfc First Bank Limited; Panaji; On-site; INR 1,100,000 - 1,500,000; Full time

Job summary

Idfc First Bank Limited in Goa seeks a Territory Manager – Personal Loan (Partner Business) to source personal loans through DSAs, DSTs, connectors and partners, building a high-quality loan portfolio while leading a team and maintaining partner relationships.

The role emphasizes compliance with policies and regulatory guidelines, risk management, and delivering excellent customer service to grow channel partnerships.

Qualifications

• Graduate in any discipline (mandatory).
• 3 years of experience in personal loans, connector/channel business.
• Strong understanding of retail lending products and market practices.
• Excellent communication and relationship management skills.
• Ability to lead teams and drive performance.

Responsibilities

• Source personal loan business from market channels including DSAs, DSTs, Connectors and partners.
• Build and maintain a high-quality loan portfolio by minimizing delinquencies and rejections.
• Stay updated on retail asset products, processes, and market trends.
• Identify evolving market dynamics and develop channels to acquire new business.
• Deliver high-quality customer service across all touchpoints.
• Recommend process and policy improvements within Retail Banking to improve efficiency and service.

Skills

Channel partnerships management

Customer relationship management

Excellent communication

Team leadership

Retail lending products knowledge

Education

Graduate in any discipline

Job description

Job Requirements

About the Role

Territory Manager – Personal Loan (Partner Business) is responsible for sourcing personal loans through market channels such as DSAs (Direct Selling Agents), DSTs (Direct Sales Teams), Connectors, and existing partners. The role involves building and managing a high-quality loan portfolio while leading a team and maintaining strong relationships with channel partners. The incumbent must ensure compliance with internal policies and regulatory guidelines, balancing sales effectiveness with risk management to contribute to the bank’s broader objectives.

Key Responsibilities

Primary Responsibilities

• Source personal loan business from market channels including DSAs, DSTs, Connectors, and existing partners.


• Build and maintain a high-quality loan portfolio by minimizing delinquencies and rejections.


• Stay updated on retail asset products, operational processes, and current market trends.


• Identify evolving market dynamics and develop channels to acquire new business.


• Deliver high-quality customer service across all touchpoints.

Secondary Responsibilities

• Recommend process and policy improvements within the Retail Banking function to enhance operational efficiency and service quality.


• Foster collaboration and effective communication across teams and stakeholders.


• Ensure strict adherence to organizational policies and regulatory guidelines.

What We Are Looking For

Education

• Graduate in any discipline (mandatory)

Experience

• 3 years of experience in personal loans, specifically in connector/channel business

Skills and Attributes

• Strong understanding of retail lending products and market practices


• Proven ability to manage and grow channel partnerships


• Excellent communication and relationship management skills


• Ability to lead teams and drive performance


• Customer-centric mindset with a focus on quality and compliance