Territory Manager - Two Wheeler Loan

About the Role

The Territory Manager for Two Wheeler Loans is accountable for generating and overseeing loan business via dealers and other established channel partners. This role emphasizes cultivating a robust loan portfolio with stringent compliance to internal and regulatory guidelines. The position demands leadership capabilities, strong relationship building within the market, and driving growth aligned with the bank’s retail lending goals.

Key Responsibilities

• Acquire and manage business through dealers and diverse market channels.
• Secure new customers, ensuring steady loan disbursement volumes.
• Maintain portfolio quality by reducing defaults and approval rejections.
• Provide guidance to channel partners ensuring their objectives align with organizational targets.
• Keep abreast of retail asset offerings, operational protocols, and prevailing market trends.
• Recognize shifting market conditions and devise strategies for channel expansion and customer acquisition.
• Uphold strict adherence to internal policies, procedures, and compliance requirements.

Secondary duties include recommending enhancements to sales and credit policies to improve efficiency and customer satisfaction, facilitating interdepartmental collaboration for smooth service delivery, and boosting sourcing from strategic alliances and direct channels.

Qualifications & Experience

• Graduation in any discipline is mandatory; postgraduate qualifications like MBA or PGDM are desirable.
• At least two years of relevant experience in retail lending, preferably focusing on 2-wheeler loans or comparable asset financing.

Skills & Personal Attributes

• In-depth knowledge of retail lending products and credit operations.
• Excellent English communication skills, both written and spoken.
• Proven track record in channel management and business expansion.
• Strong negotiation, relationship management, and communication capabilities.
• Analytical approach emphasizing portfolio integrity and risk oversight.
• Leadership skills with the ability to work with diverse stakeholders.
• High ethical standards and dedication to regulatory compliance.