Territory Manager-SEPL

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. 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.