Territory Manager - 2 Wheeler Loan

About the role

The Territory Manager for 2-wheeler lending is responsible for building and handling loan business through dealers and existing channel partners. This position is centered on growing a strong-quality loan book, while following internal processes and regulatory requirements. The role also involves leading a team, nurturing market relationships, and supporting business expansion in a manner that balances sales targets with risk control for the bank’s retail lending operations.

Key responsibilities

• Develop and manage business via dealers and other market-linked channels.
• Bring in new customers and support steady loan disbursal volumes.
• Protect portfolio quality by keeping delinquencies and application rejections low.
• Track channel partners closely and steer them toward business objectives.
• Keep current with retail asset offerings, operating procedures, and market developments.
• Recognize shifts in the market and build approaches for channel expansion and customer acquisition.
• Follow all internal rules, operational steps, and compliance standards.
• Suggest refinements in sales workflows and credit norms to improve efficiency and service quality.
• Work with cross-functional teams to ensure smooth service delivery and a better customer experience.
• Strengthen sourcing through strategic alliances and direct channels.

Education and experience

A graduate degree in any discipline is required. A postgraduate qualification such as MBA or PGDM is preferred. The ideal candidate should bring at least 2 years of relevant experience in retail lending, with 2-wheeler loans or similar asset financing being the preferred background.

Skills and attributes

• Solid knowledge of retail lending products and credit operations.
• Strong spoken and written English communication.
• Ability to manage sales channels and expand business.
• Good negotiation and relationship-building skills.
• Analytical approach toward portfolio quality and risk control.
• Capability to lead a team and coordinate with varied stakeholders.
• High integrity and a strong compliance mindset.

Location

Supaul, Bihar, India.