Job Title

Zonal Sales Manager - Two Wheeler Loans

Business Unit

Retail Assets - Two Wheeler

Reporting To

National Sales Manager - Two Wheeler Loan

Job Function and Role Type

Sales, Supervisory, Extensive Travel Required

Version No

2.0

Job Purpose

Achieve business volumes in wholesale and retail for the respective zone. Manage multiple verticals, ensure profitability, and drive overall strategy while maintaining customer retention and service excellence.

Key Responsibilities

Business Numbers

Achieve targeted business volume at given WIRR and CoA.

Meet individual targets across all verticals.

Distribution

Ensure Distribution responsibilities are completed.

BDP

Ensure BDP responsibilities are completed.

PDDs

Ensure PDDs responsibilities are completed.

TAT/FTNR

Ensure files are disbursed within TAT and FTNR limits.

Third Party Income

Achieve monthly targets for insurance revenue, FD, CASA, and CC sourcing.

Relationship

Ensure Relationship responsibilities are completed.

Inventory

Ensure Inventory responsibilities are completed.

Collections

Ensure Collections responsibilities are completed.

Productivity

Maintain proper distribution mix across channels.

Achieve business growth and cost advantage in current geographies.

Maintain agreed market share percentage.

Operate as a profit center and contribute to PBT.

Ensure PDDs outstanding post 90 days are within benchmarks.

Build and maintain relationships with DSA, DDSA, branch banking teams, and regional OEM offices.

Ensure inventory coverage at major dealerships.

Achieve 20% retail conversions from dealerships using inventory limits.





Conduct monthly reviews with collections to control cheque bouncing and early delinquency.

Manage overall portfolio health.

Maintain benchmark productivity for the zone.

Human Resource

Motivate and train the team for higher challenges.

Ensure minimum attrition.

Education:

Postgraduate in Business preferred.

Certifications:

None specified.

Key Competencies

Sales and influencing skills, banking product and process knowledge, planning and organizing skills, communication, knowledge of competition and financial industry trends.

Major Stakeholders

Customers, branch banking team, credit/operations/RIC/collections, product team, insurance CAM, audit team, cross-vertical departments.

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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📌 Zonal Sales Mgr-TW (Lucknow)
🏢 HDFC Bank
📍 Lucknow