Territory Manager-Used 2 Wheeler Loan

IDFC; India; On-site; INR 900,000 - 1,300,000; Full time

Job summary

IDFC is seeking a Territory Manager – Used2-Wheeler Loans to source and manage loan business through DSAs, DSTs, and channel partners, building a high-quality portfolio while ensuring policy and regulatory compliance.

You will lead a team, nurture market relationships, monitor portfolio quality, and drive growth in a sales-driven, risk-aware environment aligned with IDFC's retail lending objectives.

Qualifications

• Graduate in any discipline.
• MBA/PGDM preferred.
• 2+ years of relevant experience in retail lending.

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.
• 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.
• Improve sourcing from strategic alliances and direct channels.

Skills

Retail lending knowledge

Channel management

Credit operations

Communication skills

Leadership/Team leadership

Portfolio risk management

Negotiation

Education

Graduate in any discipline

MBA/PGDM preferred

Job description

Job Requirements

About the Role

The Territory Manager –Used2-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.