Cluster Sales Manager - Commercial Vehicle Finance

Job Description

Key Responsibilities: 1. Business Development and Sales: Drive sales and achieve disbursement targets for EV 3-wheeler loans (both loaders and passenger vehicles). Explore and develop new geographies and markets to expand the financing network. Develop and implement sales strategies to achieve assigned targets for EV 3-wheeler financing in the cluster. Build and maintain strong relationships with dealers, distributors, and channel partners to drive business growth. Identify, onboard, and nurture relationships with dealers, distributors, manufacturers, and channel partners and business opportunities in the region. Conduct market research to understand customer needs, competitor activities, and emerging trends in EV financing. Ensure smooth execution of marketing campaigns and promotions at the cluster level. 2. Team Management: Recruit, train, and manage a team of Sales Managers, Field Executives, and Sales Officers. Monitor team performance, provide guidance, and ensure alignment with organizational goals. Conduct regular team meetings to discuss targets, challenges, and strategies. Lead, train, and mentor a team of sales executives and collection agents to achieve cluster targets. Set individual and team performance goals, monitor progress, and provide constructive feedback. Drive a culture of high performance, accountability, and customer focus within the team. 3. Customer Relationship Management: Ensure a customer-centric approach by addressing grievances and building trust among borrowers and stakeholders. Enhance the customer journey by simplifying loan processes and minimizing turnaround time. 4. Credit and Risk Management: Collaborate with the credit team to assess and approve loan applications as per company policies. Ensure minimal delinquencies by implementing robust risk management practices. Oversee collection processes and maintain portfolio health within acceptable parameters. 5. Compliance and Reporting: Ensure seamless execution of all financing operations, including documentation, loan disbursements, and collections. Adhere to regulatory guidelines, company policies, and local laws related to financing. Monitor and report on key performance metrics, including sales, credit quality, and collections. Ensure adherence to company policies, regulatory guidelines, and compliance standards in all operations. Maintain accurate records of sales, collections, and customer interactions, and provide regular updates to senior management. Prepare and present periodic reports on sales performance, collection status, and market trends 6. Market Insights and Strategy: Stay updated on market trends, competitor activities, and industry developments in the EV financing sector. Provide actionable insights to senior management to refine products and strategies. Collaborate with marketing teams for lead generation and promotional activities. 7. Portfolio Management and Collections: Monitor and manage the loan portfolio, ensuring a healthy balance of new business and recoveries. Oversee collections and recovery processes, maintaining low delinquencies and improving overall portfolio health. Implement effective strategies to manage Non-Performing Assets (NPAs) and ensure timely follow-ups on overdue accounts. Coordinate with teams to resolve payment delays and disputes with customers. Preferred candidate profile : Key Skills and Competencies: Qualifications: Graduate/Postgraduate in Business Administration, Finance, or a related field. Experience: 7+ years of experience in retail lending and CV financing, with a focus on sales and collections, with at least 2-3 years in a managerial role. Proven experience in the vehicle financing domain, preferably in the CV/EV sector. Strong understanding of the 3-wheeler market (both loaders and passenger vehicles) and associated financing needs. Experience in the CV sector is highly desirable. Skills: Strong interpersonal skills with a hands-on approach and a go-getter attitude. Excellent leadership, negotiation, and relationship-building skills. Knowledge of credit appraisal, risk assessment, and loan disbursement processes. Ability to work in a dynamic, target-driven environment. Detail-Oriented: High attention to detail and accuracy in all tasks. Tech Savvy: Ability to effectively convert sales data using computers and mobile apps. Proficient in MS Office and familiar with CRM tools. Mobility: Willingness to travel extensively to engage with the market and stakeholders. Perks and benefits : Best as per Industry norms