Territory Sales Manager- Business Loan

IDFC FIRST Bank; Chennai; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Idfc First Bank Limited is seeking a Territory Manager to source business loans through Direct channel partners and lead a team across multiple channels. The role emphasizes maintaining a strong loan portfolio, improving processes, and aligning growth with risk controls.

The ideal candidate has a background in retail lending, strong leadership, and excellent communication skills in English. This position requires on-site collaboration with internal teams and external partners in Chennai, India.

Qualifications

• Experience in sales, preferably in business loans.
• Strong understanding of retail lending products and credit operations.
• Proven ability to manage sales channels and drive business growth.

Responsibilities

• Acquire new customers and ensure consistent loan disbursement volumes.
• Maintain a high-quality loan portfolio by minimizing delinquencies and rejections.
• Stay updated on retail asset products, operations, and market trends.
• Identify evolving market dynamics and develop strategies for channel development and customer acquisition.
• Deliver high-quality customer service and ensure customer satisfaction.
• Recommend improvements to sales processes and policies to enhance efficiency.

Skills

Retail lending knowledge

Team leadership

Sales channel management

Credit operations understanding

English communication

Education

Graduation in any discipline

Postgraduate preferred

Job description

Job Requirements

About the Role

TheTerritory Manager Business Loan (Direct)is responsible for sourcing loans through Direct channel partners, while building and maintaining a high-quality loan portfolio. The role involves managing a team, fostering strong relationships, and ensuring effective communication across various channels. The role holder must ensure strict adherence to internal policies and regulatory guidelines, balancing business growth with risk management to support the broader objectives of the bank.

Key Responsibilities

Primary Responsibilities

• Acquire new customers and ensure consistent loan disbursement volumes.
• Maintain a high-quality loan portfolio by minimizing delinquencies and rejections.
• Stay updated on retail asset products, operations, and current market trends.
• Identify evolving market dynamics and develop strategies for channel development and customer acquisition.
• Deliver high-quality customer service and ensure customer satisfaction.
• Recommend improvements to sales processes and policies to enhance operational efficiency and service quality.

Secondary Responsibilities

• Collaborate with internal teams to support automation and digital initiatives.
• Contribute to the bank’s growth targets by supporting strategic sales and service initiatives.

What We Are Looking For

Education

• Graduate in any discipline.
• Postgraduate qualification is preferred.

Experience

• Minimum 3years of relevant experience in sales, preferably within the Business loan sector.

Skills and Attributes

• Strong understanding of retail lending products and credit operations.
• Proven ability to manage sales channels and drive business growth.
• Excellent verbal and written communication skills in English are essential..
• 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.