Territory Manager - 2 Wheeler Loan

About the Role

The Territory Manager for 2-Wheeler Loans is responsible for acquiring and managing loan business through dealer networks and channel partners. This role focuses on growing a quality loan portfolio while strictly adhering to internal policies and regulatory standards. The manager leads a team, nurtures strong market partnerships, and drives business growth while balancing sales objectives with risk management to support the bank's retail lending goals.

Key Responsibilities

• Generate and oversee loan business by collaborating with dealers and market channels.
• Attract new customers and maintain steady loan disbursal volumes.
• Ensure portfolio quality by reducing delinquencies and minimizing rejections.
• Guide channel partners to align with business strategies and goals.
• Stay informed on retail loan products, operational procedures, and market developments.
• Analyze market trends to devise strategies for channel expansion and client acquisition.
• Ensure full compliance with company policies, processes, and regulatory frameworks.
• Suggest enhancements to sales processes and credit policies to optimize efficiency and customer experience.
• Promote interdepartmental collaboration to deliver smooth customer service.
• Enhance sourcing efforts from strategic alliances and direct channels.

Candidate Profile

• Graduate in any field; postgraduate degrees such as MBA or PGDM are advantageous.
• A minimum of 2 years’ experience in retail lending, preferably involving 2-wheeler loan or asset financing.
• Deep understanding of retail lending products and credit operations.
• Exceptional verbal and written English communication abilities.
• Proven track record in managing sales channels and fostering business growth.
• Strong skills in negotiation, relationship management, and team leadership.
• Analytical approach with emphasis on portfolio health and risk control.
• High ethical standards and dedication to regulatory compliance.