Territory Manager - 2 Wheeler Loan

About the Role

The role of Territory Manager for 2-Wheeler Loans involves driving loan business sourcing and management through dealer networks and existing channel partners. The position emphasizes building a strong portfolio of loans while adhering strictly to internal and regulatory standards. The incumbent will lead a team, nurture robust market relationships, and steer business growth aligned with the bank's retail lending objectives.

Primary Responsibilities

• Engage and manage loan sourcing through dealers and various market channels.
• Gain new customers and maintain steady disbursement of loans.
• Safeguard portfolio quality by reducing delinquencies and loan rejections.
• Supervise and support channel partners to ensure business goal alignment.
• Keep abreast of retail asset product updates, operational procedures, and market trends.
• Recognize shifting market patterns and devise strategies for channel expansion and customer acquisition.
• Ensure compliance with all company policies and applicable regulatory requirements.

Secondary Responsibilities

• Propose enhancements to sales processes and credit policies aimed at boosting operational efficacy and enhancing customer service.
• Encourage interdepartmental cooperation for seamless service and improved customer satisfaction.
• Strive to increase sourcing through strategic alliances and direct sales channels.

Qualifications and Experience

• A bachelor’s degree in any discipline is required; postgraduate qualifications such as MBA or PGDM are preferred.
• At least 2 years of relevant experience in retail lending, particularly related to 2-wheeler loans or asset financing, is necessary.

Essential Skills and Personal Attributes

• Deep knowledge of retail lending products and credit operations.
• Excellent communication skills in English, both verbal and written.
• Demonstrated ability to manage sales channels effectively and foster business growth.
• Strong negotiation and relationship management capabilities.
• Analytical approach focused on portfolio quality and risk assessment.
• Leadership qualities to manage teams and coordinate multiple stakeholders.
• Commitment to integrity and strict compliance adherence.