Job Requirements About the Role The Territory Manager –Used2-Wheeler Loans is responsible for sourcing and managing loan business through Direct Selling Agents (DSAs), Direct Sales Teams (DSTs), 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 DSAs, DSTs, 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. 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. • To improve the sourcing from the strategic alliances and direct channels. 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 Used b2-wheeler loans or similar asset-based financing. Skills and Attributes • Strong understanding of retail lending products and credit operations. • Excellent verbal and written communication skills in English are essential. • 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.