Territory Manager - Pre-owned 2 Wheeler Loan

Idfc First Bank Limited; Jind; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Idfc First Bank Limited is seeking a Territory Manager – Used 2-Wheeler Loans to source and manage loan business through DSAs, DSTs, and channel partners. The role emphasizes building a quality loan portfolio while adhering to policies and regulations.

You will lead a team, nurture market relationships, and drive growth in a sales-focused yet risk-aware environment within the bank’s retail lending framework.

Qualifications

• Graduate degree required; MBA/PGDM preferred.
• Minimum 2 years in retail lending, preferably used two-wheeler loans or similar asset-based financing.
• Strong understanding of retail lending products and credit operations.
• Excellent verbal and written communication in English; ability to manage sales channels and drive growth.

Responsibilities

• Source and manage business through DSAs, DSTs, and other market channels.
• Acquire new customers and maintain consistent loan disbursement volumes.
• Maintain a high-quality loan portfolio by minimizing delinquencies and rejections.
• Monitor and guide channel partners to align with business goals.
• Stay updated on retail asset products, processes, and market trends.
• Identify market dynamics and develop channel development strategies.
• Ensure adherence to internal policies, processes, and compliance guidelines.
• Recommend improvements to sales processes and credit policies to enhance efficiency and service.

Skills

Retail lending

Credit operations

Channel management

Sales leadership

Communication skills

Portfolio risk management

Team leadership

Regulatory compliance

Education

Graduate in any discipline

MBA/PGDM preferred

Job description

Job Requirements

About the Role

The Territory Manager – Used 2-Wheeler Loans is responsible for sourcing and managing loan business through Direct Selling Agents (DSAs), Direct Sales Teams (DSTs), and existing channel partners. The role focuses on building a high-quality loan portfolio while ensuring adherence to internal policies and regulatory guidelines. The role holder is expected to lead a team, maintain strong market relationships, and drive business growth in a sales-supportive yet risk-conscious manner, contributing to the broader objectives of the bank’s retail lending business.

Key Responsibilities

Primary Responsibilities

• Source and manage business through DSAs, DSTs, and other market channels.
• Acquire new customers and ensure consistent loan disbursement volumes.
• Maintain a high-quality loan portfolio by minimizing delinquencies and rejections.
• Monitor and guide channel partners to ensure alignment with business goals.
• Stay updated on retail asset products, operational processes, and market trends.
• Identify evolving market dynamics and develop strategies for channel development and customer acquisition.
• Ensure adherence to all internal policies, processes, and compliance guidelines.

Secondary Responsibilities

• Recommend improvements to sales processes and credit policies to enhance operational efficiency and customer service quality.
• Foster collaboration across departments to ensure seamless service delivery and customer satisfaction.
• To improve the sourcing from the strategic alliances and direct channels.

What We Are Looking For

Education

• Graduate in any discipline.
• Postgraduate qualification (MBA/PGDM) is preferred.

Experience

• Minimum 2 years of relevant experience in retail lending, preferably in Used b2-wheeler loans or similar asset-based financing.

Skills and Attributes

• Strong understanding of retail lending products and credit operations.
• Excellent verbal and written communication skills in English are essential.
• Proven ability to manage sales channels and drive business growth.
• Excellent communication, negotiation, and relationship management skills.
• Analytical mindset with a focus on portfolio quality and risk management.
• Ability to lead teams and coordinate with multiple stakeholders.
• High level of integrity and commitment to compliance.