Territory Manager - 2 Wheeler Loan

Role Overview

The Territory Manager for 2-Wheeler Loans plays a crucial role in sourcing and managing loan portfolios through vehicle dealers and established channel partners. This position emphasizes developing a robust and compliant loan book, enhancing dealer relationships, and steering business expansion that aligns with the bank’s retail lending objectives.

Key Responsibilities

• Generate and oversee loan business by collaborating with dealers and market channels.
• Drive acquisition of new customers and sustain continual loan disbursement figures.
• Ensure maintenance of a high-quality loan portfolio by reducing delinquencies and application rejections.
• Supervise and support channel partners to meet set business targets.
• Stay informed about retail asset offerings, operational workflows, and evolving market trends.
• Analyze market changes to formulate strategies that enhance channel development and client onboarding.
• Comply strictly with all internal policies, processes, and regulatory requirements.

Additional Responsibilities

• Propose and implement enhancements to sales methods and credit policies to improve efficiency and customer experience.
• Encourage interdepartmental cooperation to guarantee smooth service delivery and satisfaction.
• Enhance sourcing opportunities through strategic partnerships and direct channel expansion.

Candidate Profile

• Graduate degree in any discipline; preference given to candidates with an MBA or PGDM.
• At least 2 years of direct experience in retail lending, ideally within the 2-wheeler loans or similar asset financing sectors.
• Solid knowledge of retail lending products and related credit operations.
• Fluent English communication skills, both verbal and written.
• Demonstrated success in managing sales channels and boosting business growth.
• Strong negotiation, communication, and relationship management capabilities.
• Analytical approach focused on portfolio quality and risk mitigation.
• Leadership qualities with ability to coordinate among diverse stakeholders.
• Commitment to integrity and compliance adherence.