Job Purpose
The Territory Sales Manager – Personal Loans (Connector Channel) is responsible for driving Personal Loan business through the Connector Channel by acquiring, onboarding, and managing connectors, referral partners, and local business associates. The role focuses on achieving disbursement targets, expanding the connector network, ensuring portfolio quality, and maintaining compliance with the bank's policies and regulatory guidelines.
Key Responsibilities
Business Development
- Achieve monthly Personal Loan sourcing and disbursement targets.
- Generate business through Connector Channel, referral partners, and local market sources.
- Identify and onboard new connectors to expand the sourcing network.
- Maintain strong relationships with existing connectors to maximize productivity.
- Conduct regular market visits to identify new business opportunities.
Channel Management
- Drive productivity of active connectors through regular engagement and training.
- Monitor connector performance and ensure consistent business generation.
- Resolve partner queries and provide end-to-end support during the loan process.
- Plan and execute market activation activities to increase lead generation.
Portfolio & Process Management
- Ensure high-quality sourcing by minimizing rejection and delinquency rates.
- Coordinate with Credit, Operations, and Risk teams for smooth loan processing.
- Maintain complete documentation and ensure policy compliance.
- Monitor TATs and deliver superior customer experience.
Reporting & Compliance
- Track daily sourcing, login, sanction, and disbursement MIS.
- Ensure adherence to RBI guidelines and internal bank policies.
- Prepare territory performance reports and market intelligence for management.
- Maintain proper records of connector agreements and business performance.
Candidate Profile
- Graduate in any discipline (MBA preferred).
- 3–7 years of experience in Personal Loan sales through Connectors
- Strong network of connectors, referral partners, and local market contacts.
- Good understanding of Personal Loan products, credit processes, and retail lending.
- Excellent relationship management, negotiation, and communication skills.
- Ability to manage multiple channel partners and achieve aggressive sales targets.
