Territory Manager - 2 Wheeler Loan

Role Overview

The Territory Manager for 2-Wheeler Loans is tasked with generating and overseeing loan business through dealership networks and existing partners. This position emphasizes cultivating a robust loan portfolio while strictly following internal protocols and regulatory standards. The individual will lead a team, nurture strong industry relationships, and propel business expansion with a focus on supportive sales and prudent risk management, aligning with the retail lending aims of the bank.

Key Responsibilities

• Develop and sustain business through dealer collaborations and various market channels.
• Acquire new clients while ensuring consistent loan issuance volume.
• Maintain portfolio quality by reducing delinquencies and minimizing rejections.
• Provide oversight and guidance to channel partners to align with business objectives.
• Continuously update knowledge on retail asset products, processes, and market developments.
• Identify market changes and devise strategies for channel enhancement and client acquisition.
• Strictly adhere to internal policies, procedures, and compliance requirements.

Additional Duties

• Suggest enhancements to sales workflows and credit policies to elevate efficiency and customer experience.
• Encourage coordination among departments to ensure smooth service execution and client satisfaction.
• Boost sourcing effectiveness from strategic alliances and direct channels.

Qualifications and Experience

• A graduate degree in any discipline is required.
• An advanced qualification such as MBA or PGDM is preferred.
• At least two years of relevant experience in retail lending, specifically in 2-wheeler loans or similar asset financing, is essential.

Skills and Competencies

• Comprehensive knowledge of retail lending products and credit operations.
• Strong verbal and written communication proficiency in English.
• Track record of managing sales channels and driving business growth.
• Excellent communication, negotiation, and relationship-building capabilities.
• Analytical skills with attention to portfolio quality and risk management.
• Leadership qualities with ability to manage teams and multiple stakeholders.
• High ethical standards and dedication to compliance.