Territory Manager-Personal Loan (DSA)
About this role
About the Role
The Territory Manager – Personal Loan (DSA) is responsible for sourcing and managing Direct Selling Agent (DSA) channels across multiple locations to drive personal loan business. This pan-India role focuses on acquiring quality business, minimizing delinquencies, and delivering high standards of customer service. The Territory Manager plays a strategic role in identifying market trends, developing new channels, and contributing to operational efficiency and customer satisfaction within the Retail Banking division.
Key Responsibilities
Primary Responsibilities
- Source and manage DSA channels to acquire personal loan business from the market.
- Ensure portfolio quality by minimizing delinquencies and application 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 efficient channel management.
Secondary Responsibilities
- Recommend improvements to processes and policies across the Retail Banking business to enhance operational efficiency and customer experience.
- Collaborate with internal teams to ensure alignment with business goals and service standards.
What We Are Looking For
Education
- Graduation: Any discipline.
Experience
- Relevant experience 3yrs in BFSI
Skills and Attributes
- Strong understanding of retail asset products and DSA operations.
- Ability to identify and adapt to changing market trends.
- Excellent stakeholder management and customer service orientation.
- Proven leadership skills with the ability to mentor and coach senior team members.
- Commitment to customer centricity, innovation, compliance, and integrity.
- Ability to foster a digitally enabled and automated environment to meet customer needs.
- Talent acquisition and retention capabilities to support rapid business growth.
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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