Territory Manager - 2 Wheeler Loan

About the Role

The Territory Manager for 2-Wheeler Loans is responsible for sourcing and overseeing loan business via dealers and established channel partners. This role is centered on cultivating a robust and quality loan portfolio while strictly following internal policies and regulatory requirements. The position involves leading a team, fostering strong relationships in the market, and advancing business growth with a balanced approach that supports sales yet carefully manages risk, aligning with the bank's broader retail lending goals.

Key Responsibilities

• Generate and manage business through dealer networks and other market channels.
• Consistently acquire new clients and maintain steady loan disbursement volumes.
• Ensure portfolio quality by minimizing late payments and application rejections.
• Oversee and assist channel partners to ensure alignment with business objectives.
• Keep updated with retail asset products, operational procedures, and shifts in the market.
• Analyze market changes to develop strategies for channel expansion and customer growth.
• Strictly comply with internal policies, procedures, and regulatory guidelines.
• Suggest enhancements to sales processes and credit policies for improved operational efficiency and customer experience.
• Promote interdepartmental collaboration to facilitate smooth service delivery and enhance customer satisfaction.
• Focus on increasing business sourcing through strategic alliances and direct channels.

Qualifications and Experience

• Graduate degree required; postgraduate qualifications like MBA or PGDM are preferred.
• At least 2 years of relevant experience in retail lending, specifically in 2-wheeler loans or related financing products.

Skills and Attributes

• In-depth knowledge of retail lending products and credit operations.
• Excellent verbal and written communication skills in English.
• Proven record in managing sales channels and driving growth.
• Strong negotiation, communication, and relationship-building abilities.
• Analytical skills focused on portfolio quality and risk mitigation.
• Leadership skills with capacity to manage teams and coordinate multiple stakeholders.
• High personal integrity and commitment to compliance standards.