Territory Manager - Used 2 Wheeler Loan

About the Role

The Territory Manager for Used 2 Wheeler Loans will be accountable for generating and overseeing loan business through various channels including Direct Selling Agents (DSAs), Direct Sales Teams (DSTs), and other established partners. The focus lies in cultivating a robust loan portfolio while strictly adhering to the company's policies and regulatory standards. This leadership role involves guiding a team, nurturing strong relationships in the market, and steering business expansion with a balanced approach towards sales growth and risk management, aligned with the bank's retail lending goals.

Key Responsibilities

• Develop and manage business acquisition via DSAs, DSTs, and additional market channels.
• Consistently acquire new customers ensuring steady loan disbursement volumes.
• Maintain portfolio quality by reducing delinquency rates and minimizing rejections.
• Oversee and mentor channel partners to ensure they align with business objectives.
• Keep abreast of retail asset products, operational processes, and the latest market developments.
• Identify market trends and devise strategic plans for channel growth and customer acquisition.
• Ensure strict compliance with internal policies, procedures, and regulatory guidelines.

Additional Responsibilities

• Suggest enhancements to sales workflows and credit policies to boost operational efficiency and customer experience.
• Promote inter-departmental cooperation to guarantee seamless service and high customer satisfaction.
• Work towards strengthening sourcing from strategic partnerships and direct channels.

Education & Experience

• Graduate degree in any discipline.
• Postgraduate qualifications like MBA or PGDM are advantageous.
• At least 2 years of proven experience in retail lending, preferably focused on used 2-wheeler loans or related asset-based financing.

Skills & Attributes

• Deep knowledge of retail lending products and credit operation frameworks.
• Strong command of English, both verbal and written.
• Demonstrated ability to manage sales channels and enhance business growth.
• Excellent negotiation, communication, and relationship-building capabilities.
• Analytical approach emphasizing portfolio quality and risk management.
• Team leadership skills with the ability to coordinate multiple stakeholders.
• High integrity and dedication to compliance standards.