Job Description

Job Requirements
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.

Skills Required