Territory Manager-Cross Sell (SME Loans)
IDFC FIRST Bank — Ludhiana, LUDHIANA
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Job Description
The Territory Manager-Cross Sell (SME Loans) position sits in the IDFC FIRST Bank office in Ludhiana.
Job Criteria About the Position
The Territory Manager – Cross Sell (SME Loans) is in charge of sourcing SME loan business through Direct Selling Agents (DSAs), Direct Sales Teams (DSTs), and existing channel partners. The post involves developing and handling a high-quality loan portfolio while ensuring adherence to internal policies and regulatory guidelines. The incumbent will lead a team, foster solid relationships, and drive collaboration over stakeholders to support both sales progress and risk management. This position is critical in contributing to the bank’s broader objectives by balancing business development with operational discipline.
Core Responsibilities
Primary Responsibilities
- Source SME loan business through DSAs, DSTs, and other market channels.
- Create and oversee a high-quality loan portfolio by minimizing delinquencies and rejections.
- Uphold sound relationships with channel partners to guarantee consistent business flow.
- Monitor and adapt to changing market trends to pinpoint new business prospects.
- Guarantee compliance with all internal policies and external regulatory expectations.
Secondary Responsibilities
- Give findings and recommendations to strengthen processes and policies within the Retail Banking function.
- Promote a culture of collaboration, effective communication, and operational streamlining.
- Support the delivery of high-quality customer service through process improvements and team enablement.
What We Are Looking For
Education
- Graduation: Full time graduate in any discipline from a recognised institution.
Experience
- Minimum of 3 years of relevant background in SME loan sales or related financial services.
Competencies and Attributes
- Sound understanding of retail asset products and market dynamics
- Proven capacity to handle sales channels and drive business acquisition
- First-rate communication and interpersonal capabilities
- High level of integrity and adherence to compliance standards
- Analytical mindset with the aptitude to recognise trends and chances
- Team leadership and stakeholder management capabilities
Frequently Asked Questions
What are the eligibility criteria for the Territory Manager-Cross Sell (SME Loans) job at IDFC FIRST Bank?
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 0-2 Years years of relevant experience expected for this role.
What are the primary responsibilities of a Territory Manager-Cross Sell (SME Loans) at IDFC FIRST Bank?
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Territory Manager-Cross Sell (SME Loans) at IDFC FIRST Bank.
Is prior experience required for this position?
This role requires around 0-2 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
What skills are important for this role?
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
How do I apply for the Territory Manager-Cross Sell (SME Loans) role at IDFC FIRST Bank?
You can apply directly using the Apply Now button on this page, which will take you to IDFC FIRST Bank's application process for this role.
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