Territory Manager Cross Sell Ludhiana

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 solid relationships, and drive collaboration across stakeholders to support both sales growth and risk management. This role is critical in contributing to the banks 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 robust relationships with channel partners to ensure consistent business flow. Monitor and adapt to changing market trends to identify new 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 Robust 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 abil .