Territory Manager

Role & responsibilities:

1. Business Acquisition & Cross Sell

• Source new SME clients for Working Capital, Cash Credit, OD Limits, Term Loans, and Prime LAP products.
  
• Identify cross-sell opportunities across existing customer base to drive product penetration.
  
• Conduct market mapping and generate leads through references, CA connectors, DSA networks, and open market sourcing.
  

2. Sales & Revenue Generation

• Achieve monthly and quarterly business targets for Working Capital and Prime LAP disbursements.
  
• Drive fee income and ancillary revenue through cross-sell of banking products.
  
• Track funnel conversion, maintain healthy pipeline, and ensure quality sourcing.
  

3. Client Relationship Management

• Build and maintain strong relationships with SME customers to ensure high satisfaction and repeat business.
  
• Understand customer needs and offer relevant financing solutions.
  
• Manage post-sanction onboarding, documentation, and coordination for loan disbursement.
  

4. Credit & Risk Compliance

• Ensure compliance with bank policies, lending norms, and KYC guidelines.
  
• Conduct preliminary credit assessment and financial understanding of SME clients.
  
• Coordinate with credit, risk, and operations teams for case approvals and disbursal.
  

5. Market Intelligence

• Track competitor offerings, market trends, pricing, and customer requirements.
  
• Identify new business segments and potential clusters for SME lending.
  

Preferred candidate profile:

• Strong understanding of SME lending, Working Capital structures, and LAP products.
  
• Good financial analysis & documentation knowledge.
  
• Strong relationship-building and networking abilities.
  
• Excellent communication, negotiation, and presentation skills.
  
• Proactive, target-driven, and high on execution.

• Education:

  Graduate / MBA preferred.

• Experience:

  26 years in SME lending / Working Capital / LAP sales or relevant financial products.

• Industry Preference:

  Banks, NBFCs, SME finance companies.

• Local market knowledge is mandatory.