Territory Manager - 2 Wheeler Loan

About the role

The Territory Manager for 2-wheeler loans is tasked with developing and handling loan business via dealers and existing channel partners. This position is centered on building a strong-quality lending portfolio while following internal procedures and regulatory requirements. The role also involves leading a team, nurturing market relationships, and supporting business expansion in a sales-oriented but risk-aware manner, contributing to the bank’s wider retail lending goals.

Key responsibilities

Primary responsibilities

• Develop and manage business through dealers and other market channels.
• Bring in new customers and maintain steady loan disbursement levels.
• Protect portfolio quality by keeping delinquencies and rejections low.
• Track and support channel partners so their efforts stay aligned with business objectives.
• Keep current on retail asset offerings, operational workflows, and market developments.
• Spot changes in the market and create plans to expand channels and acquire customers.
• Follow all company policies, operational processes, and compliance standards.

Secondary responsibilities

• Suggest refinements to sales processes and credit policy to improve efficiency and customer experience.
• Work closely with cross-functional teams to ensure smooth service delivery and better customer satisfaction.
• Strengthen sourcing through strategic alliances and direct channels.

Education

• A graduate degree in any field is required.
• An MBA or PGDM is preferred.

Experience

A minimum of 2 years of relevant experience in retail lending is required, ideally in 2-wheeler loans or similar asset-backed financing.

Skills and attributes

• Clear understanding of retail lending products and credit operations.
• Strong spoken and written English communication.
• Ability to manage sales channels and grow business.
• Good negotiation and relationship-building abilities.
• Analytical approach with attention to portfolio health and risk control.
• Capability to lead teams and coordinate with multiple stakeholders.
• Strong ethics and commitment to compliance.