Territory Manager - 2 Wheeler Loan

About the Role

The Territory Manager for 2-Wheeler Loans plays a pivotal role in driving loan business acquisition and management through dealership networks and existing channel partners. This position emphasizes constructing a loan book of superior quality while strictly adhering to the bank's policies and regulatory requirements. The incumbent will also lead a team, cultivate robust relations within the market, and contribute actively to expanding the bank’s retail lending operations with a balanced approach toward growth and risk mitigation.

Key Responsibilities

• Generate and oversee loan business via dealers and other market channels to expand outreach.
• Continuously attract new borrowers and sustain steady loan disbursement targets.
• Preserve the quality of the loan portfolio by keeping delinquency and rejection rates low.
• Guide and supervise channel partners to ensure their performance aligns with organizational objectives.
• Keep abreast of the latest retail asset products, operational methods, and market fluctuations.
• Analyze changing market scenarios and strategize to boost channel development and client acquisition.
• Guarantee full compliance with internal protocols, policies, and regulatory frameworks.
• Suggest enhancements to sales workflows and credit regulations to improve operational effectiveness and elevate customer experience.
• Promote interdepartmental collaboration for smooth service provision and enhanced client satisfaction.
• Focus especially on strengthening sourcing from strategic alliances and direct channels.

Qualifications & Experience

• A graduate degree in any field is mandatory while an advanced degree such as MBA/PGDM is preferred.
• At least two years of relevant experience in retail lending, ideally with exposure to 2-wheeler loans or asset financing sectors.

Skills & Attributes

• In-depth knowledge of retail lending products and credit procedures.
• Fluent English communication skills, both written and oral, are essential.
• Demonstrated competency in managing sales channels and spurring business expansion.
• Exceptional skills in negotiation, communication, and managing business relationships.
• Strong analytical abilities focused on portfolio health and risk containment.
• Leadership qualities with the capacity to coordinate across various stakeholders and lead teams.
• Unwavering adherence to ethical standards and regulatory compliance.