Territory Manager - Pre-owned 2 Wheeler Loan

IDFC FIRST Bank; Sonipat; On-site; INR 800,000 - 1,400,000; Full time

Job summary

Idfc First Bank Limited invites applications for the role of Territory Manager – Used 2-Wheeler Loans. You will source and manage loan business through DSAs, DSTs and partners, while leading a sales team to achieve volume targets and maintain portfolio quality.

The ideal candidate has at least 2 years in retail lending, with strong English communication, good negotiation and relationship skills, and a disciplined, compliant approach to credit operations.

Qualifications

• Graduate in any discipline; MBA/PGDM preferred for advanced roles.
• At least 2 years in retail lending, preferably used bikes.
• Strong retail lending knowledge and credit operations.
• Excellent English communication, both spoken and written.

Responsibilities

• Source and manage business through DSAs, DSTs and partners.
• Acquire new customers and ensure loan disbursements.
• Maintain portfolio quality by minimizing delinquencies.
• Monitor channel partners to align with goals.
• Stay updated on retail asset products and market trends.
• Develop channel development and customer acquisition strategies.
• Ensure adherence to internal policies and compliance.
• Improve sales processes and credit policies.
• Collaborate across departments for seamless service.

Skills

Retail lending

Channel management

Team leadership

Credit operations

Stakeholder management

English fluency

Education

Graduate degree

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.