Territory Manager-Cross Sell (Personal Loan)
About this role
About the Role
The Territory Manager – Sales (Retail Banking) is responsible for sourcing loans from the market through Direct Selling Agents (DSAs), Direct Sales Teams (DSTs), and existing channel partners. Based in Mumbai, this role focuses on building a high-quality loan portfolio, managing a team, and fostering strong relationships across stakeholders. The Territory Manager ensures adherence to internal policies and guidelines, balancing sales growth with risk management, and contributing to the bank’s broader strategic objectives.
Key Responsibilities
Primary Responsibilities
- Fulfill and convert the leads sourced through call centres
- Acquire new business from the market while maintaining portfolio quality by minimizing delinquencies and rejections.
- Maintain deep knowledge of retail asset products, operational processes, and current market trends.
- Identify changing market dynamics and develop new channels to expand business reach.
- Deliver high-quality customer service through effective channel engagement and support.
- Drive key conversion efficiency metrics
- Resourcing and deploying the DSTs to effectively fulfil the leads
- Ensure effective implementation of process and policy while sourcing the business
Secondary Responsibilities
- Recommend improvements to processes and policies across the Retail Banking business to enhance operational efficiency and customer experience.
- Foster collaboration and effective communication across teams to ensure smooth execution of sales and operational activities.
What We Are Looking For
Education
- Graduation: Any discipline full time
Experience
- Minimum of 3 years in BFSI
Skills and Attributes
- Strong understanding of retail banking products and channel operations.
- Proven ability to manage teams and build strong stakeholder relationships.
- Excellent communication and interpersonal skills across various mediums.
- Customer-centric mindset with a focus on compliance and risk management.
- Ability to identify market trends and adapt strategies accordingly.
- Commitment to operational excellence and continuous improvement.
Company at a glance
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Formed in December 2018 through the merger of infrastructure finance giant IDFC Bank and retail finance specialist Capital First, we commenced commercial banking operations in 2016. Our core principles:
Vision: Building a world-class bank in India, driven by ethical, customer-friendly, digital, and socially responsible banking principles.
Universal Bank: Offering a comprehensive range of services like Retail, MSME, Rural, Startups, Cash & Wealth Management, Deposits, Corporate & Government Banking, Working Capital, Trade Finance, and Treasury Solutions.
Ethical Banking: We follow a 'Near and Dear' test, ensuring products are customer-friendly enough for employees to recommend to loved ones. We simplify legal jargon for clarity and offer 'ZERO FEE Banking' on all savings account services like SMS alerts, IMPS, RTGS, NEFT, ATM withdrawals, and more, making it India’s 1st & only bank to do so.
Customer-Friendly Banking: IDFC FIRST Bank credits monthly interest on savings accounts, offers lifetime-free credit cards with non-expiring rewards and transparent fees.
Technology-led Banking: Seamless services across mobile, branches, internet banking, call centres, & relationship managers. Our mobile app, with 250+ features, is rated 4.8 on Google Play & the App Store.
Global rating agency Forrester ranked it India’s best & among the world’s top 20 for two consecutive years.
Social Good Banking: Focusing on financial inclusion, we serve 40M+ customers, with 16M lifestyle improvement loans,15M loans to 4.3M women entrepreneurs, 6.5M vehicle loans, 1M each for sanitation & livelihood, 300K SME, and 100K home loans.
ESG Goals: We hold high ESG scores, demonstrating our commitment to financial inclusion & social responsibility.
Creating a new-age, ethical and world-class institution for India is a privilege for its employees.
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