Territory Manager - 2 Wheeler Loan

Role Overview

The Territory Manager - 2 Wheeler Loans plays a pivotal role in originating and managing loan portfolios through dealer networks and existing channel associates. This position is tasked with developing a robust loan portfolio while ensuring compliance with the bank's policies and regulatory standards. The role involves team leadership, strengthening market relationships, and propelling business expansion within the retail lending sector.

Key Duties and Responsibilities

• Generate and oversee business sourced via dealers and alternative market channels.
• Expand the customer base and maintain consistent loan disbursement levels.
• Ensure a high-quality loan portfolio by minimizing loan delinquencies and rejection rates.
• Supervise and assist channel partners to align them with organizational objectives.
• Keep abreast of developments in retail asset products, operational methodologies, and market trends.
• Analyze changing market conditions to create effective channel and customer acquisition strategies.
• Comply with all relevant internal policies, operational processes, and regulatory guidelines.

• Propose enhancements to sales workflows and credit policies aimed at increasing operational efficiency and improving customer service.
• Promote interdepartmental collaboration to ensure smooth service execution and customer satisfaction.
• Enhance sourcing from strategic alliances and direct channels through targeted initiatives.

Candidate Profile

• A graduate degree in any field is required; a postgraduate degree (MBA/PGDM) is advantageous.
• At least 2 years of pertinent experience in retail lending, with preference for exposure to 2-wheeler loans or comparable asset financing.
• In-depth knowledge of retail lending products and credit operations.
• Strong command of spoken and written English.
• Demonstrated skills in managing sales channels and achieving growth targets.
• Exceptional communication, negotiation, and relationship-building capabilities.
• Adept analytical skills focusing on portfolio quality and risk mitigation.
• Leadership abilities to guide teams and engage multiple stakeholders effectively.
• High ethical standards and stringent adherence to compliance requirements.