Retail Finance Manager

As the Head of Retail & Channel Finance, you will play a crucial role in leading the development and execution of our financing strategy across various regions. Your responsibilities will include driving retail loan penetration, expanding financier networks, designing consumer financing schemes, and providing working capital and inventory funding solutions to channel partners. Your expertise in automotive finance, both traditional and electric vehicles, will be instrumental in enabling sales through effective financing solutions. Your key responsibilities will involve: 1. **Retail Finance Strategy & Execution**: - Designing and implementing innovative retail finance schemes in collaboration with NBFCs, banks, and fintech companies. - Launching digital retail finance solutions to enhance customer experience and loan processing speed. - Negotiating and securing monthly and festival-based schemes to boost loan affordability and sales volume. - Monitoring retail penetration rates and optimizing performance based on insightful MIS data. 2. **Channel Finance & Dealer Funding**: - Establishing inventory funding tie-ups to support dealer working capital requirements. - Ensuring timely credit availability and managing exposure across dealer networks. 3. **Financier Relations & Onboarding**: - Leading partnerships with national and regional NBFCs/Banks for retail and channel financing. - Executing MOUs and policy documents while ensuring compliance with business terms and standards. - Expanding reach by onboarding new financiers and digital lending partners. 4. **Sales Enablement & Dealer Support**: - Collaborating with regional sales and dealer teams to address finance-related challenges. - Conducting training programs for dealership finance executives and inside sales teams. - Driving participation in loan events, financier meetings, and joint promotional campaigns. 5. **Reporting, Analysis & Compliance**: - Developing and maintaining detailed MIS dashboards for tracking financier performance and scheme utilization. - Providing periodic insights to sales leadership for informed decision-making. - Ensuring documentation, compliance, and audit-readiness of all financing arrangements. Your key skills and competencies should include expertise in Retail & Channel Finance, strong stakeholder management skills, negotiation abilities, understanding of credit processes, proficiency in MIS creation and analytics, leadership experience, and excellent communication and problem-solving skills. In terms of qualifications and experience, a Graduate/Postgraduate degree in Finance, Business Administration, or related fields along with a minimum of 10 years of experience in automobile finance, BFSI, or mobility sectors will be essential. Exposure across multiple regions in India and a strong understanding of regional business nuances will be advantageous. Preferred industry backgrounds include Automobile (2W, EV), NBFC/Banking/FinTech, Mobility Platforms, and BFSI with specialization in auto loans.,