Territory Manager-Used 2 Wheeler Loan

Idfc First Bank Limited; Udaipur District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Idfc First Bank Limited is seeking a Territory Manager for Used2-Wheeler Loans to lead sourcing and portfolio management through DSAs, DSTs, and channel partners. You will drive loan volumes while ensuring compliance and quality in a sales-driven environment.

The role requires at least 2 years in retail lending, strong English communication, and leadership to coordinate cross-functional teams and regulatory adherence.

Qualifications

• Graduate in any discipline; MBA/PGDM preferred.
• Minimum 2 years retail lending experience.
• Experience with Used two-wheeler loans or asset-based financing preferred.
• Strong communication in English and cross-functional collaboration.

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 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.

Skills

Retail lending

Credit operations

Verbal & written communication

Sales channel management

Portfolio risk management

Team leadership

Compliance & integrity

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.