Territory Manager - 2 Wheeler Loan

Job Overview

The Territory Manager for 2-Wheeler Loans is tasked with generating and overseeing loan business primarily via dealerships and existing partners within the market. This role emphasizes cultivating a robust loan portfolio while strictly adhering to the institution's policies and regulatory requirements. The incumbent will spearhead a team, nurture strong market alliances, and contribute to the expansion of the bank's retail lending segment.

Key Duties

• Source and oversee loan business from dealers and market channels.
• Attract new clientele to maintain steady loan disbursement levels.
• Ensure the loan portfolio's health by reducing defaults and application rejections.
• Guide and supervise channel partners to align with the organization's business objectives.
• Keep abreast of retail loan products, operational workflows, and market developments.
• Analyze changing market conditions and devise strategies to advance channel partnerships and customer growth.
• Uphold compliance with all internal policies, protocols, and regulatory mandates.

Additional Responsibilities

• Suggest enhancements to sales methodologies and credit guidelines to improve efficiency and customer experience.
• Promote interdepartmental collaboration for superior service delivery and customer satisfaction.
• Augment sourcing efforts via strategic partnerships and direct sales avenues.

Candidate Profile

• Education: Graduation in any discipline is required; preference given to candidates with postgraduate qualifications such as MBA or PGDM.
• Experience: A minimum of two years in retail lending, ideally focused on 2-wheeler loans or related asset financing.
• Skills and Attributes: Comprehensive knowledge of retail lending and credit processes; strong communication skills in English, both oral and written; proven capability in managing sales channels and fostering growth; adept negotiation and relationship building; analytical approach emphasizing portfolio quality and risk handling; leadership qualities for team and stakeholder coordination; unwavering integrity and commitment to compliance.