Territory Manager-SEPL
About this role
About the Role
The Territory Manager –SEPL is responsible for sourcing and managing loan business through Direct Sales Teams (DSTs), Liability Branches, Connectors and existing channel partners. The role focuses on building a high-quality loan portfolio while ensuring adherence to internal policies and regulatory guidelines. The role holder is expected to lead a team, maintain strong market relationships, and drive business growth in a sales-supportive yet risk-conscious manner, contributing to the broader objectives of the bank’s retail lending business.
Key Responsibilities
Primary Responsibilities
- Source and manage business through DSTs, Liability Branches, Open Market and other market channels.
- Acquire new customers and ensure consistent loan disbursement volumes.
- Maintain a high-quality loan portfolio by minimizing delinquencies and rejections.
- Monitor and guide channel partners to ensure alignment with business goals.
- Stay updated on retail asset products, operational processes, and market trends.
- Identify evolving market dynamics and develop strategies for channel development and customer acquisition.
- Ensure adherence to all internal policies, processes, and compliance guidelines.
- Demonstrate ability to build, lead and motivate high-performing teams.
Secondary Responsibilities
- Recommend improvements to sales processes and credit policies to enhance operational efficiency and customer service quality.
- Foster collaboration across departments to ensure seamless service delivery and customer satisfaction.
What We Are Looking For
Education
- Graduate in any discipline.
- Postgraduate qualification (MBA/PGDM) is preferred.
Experience
- Minimum 2 years of relevant experience in retail lending, preferably in enterprise loans or similar asset-based financing.
Skills and Attributes
- Strong understanding of retail lending products and credit operations.
- Proven ability to manage sales channels and drive business growth.
- Excellent communication, negotiation, and relationship management skills.
- Analytical mindset with a focus on portfolio quality and risk management.
- Ability to lead teams and coordinate with multiple stakeholders.
- High level of integrity and commitment to compliance.
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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