Retail Finance Manager

Job Title: Head Retail & Channel Finance

Location:

Department:

Reports To:

Role Overview:

Retail & Channel Finance professional

Key Responsibilities:

1. Retail Finance Strategy & Execution

• Design and implement

  innovative, customer-centric retail finance schemes

  in partnership with NBFCs, banks, and fintechs.
• Launch digital retail finance solutions across the dealer network to enhance customer experience and loan turnaround.
• Negotiate and secure

  monthly and festival-based schemes

  with financiers to drive loan affordability and sales volume.
• Monitor

  retail penetration rates

  by region, product, and financier; optimize performance based on MIS insights.

2. Channel Finance & Dealer Funding

• Establish and manage

  inventory funding tie-ups

  to support dealer working capital needs.
• Ensure timely credit availability and manage exposure across dealer networks.
• Maintain dealer financial health by evaluating balance sheets, payment cycles, and risk indicators.

3. Financier Relations & Onboarding

• Lead tie-ups with

  national and regional NBFCs/Banks

  for retail and channel financing.
• Execute

  MOUs and policy documents

  ensuring alignment with business terms and compliance standards.
• Expand reach by onboarding new financiers and digital lending partners.

4. Sales Enablement & Dealer Support

• Collaborate with regional sales and dealer teams to resolve finance-related issues.
• Conduct

  training and upskilling programs

  for dealership finance executives and inside sales teams.
• Drive participation in

  loan melas, financier meets, and joint promotional campaigns

  with banks/NBFCs.

5. Reporting, Analysis & Compliance

• Develop and maintain detailed

  MIS dashboards

  for tracking financier performance, scheme utilization, and ROI.
• Provide periodic insights to sales leadership for informed business decisions.
• Ensure documentation, compliance, and audit-readiness of all financing arrangements.

Key Skills & Competencies:

• Expertise in

  Retail & Channel Finance

  (2W/EV segment preferred)
• Strong

  Financier & Stakeholder Management

  skills
• Proven ability to

  negotiate & structure finance offerings

• Strong understanding of

  credit processes, lending norms, and working capital management

• Proficiency in

  MIS creation, analytics, and reporting tools

• Team leadership

  and capability development experience
• Excellent communication, collaboration, and problem-solving skills

Qualifications & Experience:

• Graduate/Postgraduate in Finance, Business Administration, or related fields
• Minimum

  10 years of experience

  in

  automobile finance, BFSI, or mobility sectors

• Exposure across

  multiple regions (Nort, West, South, East India)

  with strong understanding of regional business nuances will be an added advantage.

Preferred Industry Background:

• Automobile (2W, EV)
• NBFC / Banking / FinTech
• Mobility Platforms
• BFSI with auto loan specialization