Job Requirements

About the Role

The Territory Manager – Cross Sell (SME Loans) is responsible for sourcing SME loan business through Direct Selling Agents (DSAs), Direct Sales Teams (DSTs), and existing channel partners. The role involves building and managing a high-quality loan portfolio while ensuring adherence to internal policies and regulatory guidelines. The incumbent will lead a team, foster strong relationships, and drive collaboration across stakeholders to support both sales growth and risk management. This role is critical in contributing to the bank’s broader objectives by balancing business development with operational discipline.

Key Responsibilities

Primary Responsibilities
Source SME loan business through DSAs, DSTs, and other market channels.
Build and manage a high-quality loan portfolio by minimizing delinquencies and rejections.
Maintain solid relationships with channel partners to ensure consistent business flow.
Monitor and adapt to changing market trends to identify recent business opportunities.
Ensure compliance with all internal policies and external regulatory requirements.





Secondary Responsibilities
Provide insights and recommendations to improve processes and policies within the Retail Banking function.
Promote a culture of collaboration, effective communication, and operational efficiency.
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 experience in SME loan sales or related financial services.

Skills and Attributes
Strong understanding of retail asset products and market dynamics
Proven ability to manage sales channels and drive business acquisition
Excellent communication and interpersonal skills
High level of integrity and adherence to compliance standards
Analytical mindset with the ability to identify trends and prospects
Team leadership and stakeholder management capabilities

📌 Territory Manager Cross Sell Sme Loans Kanpur
🏢 IDFC FIRST Bank
📍 Kanpur