Sales Manager

Duties and Responsibilities

Dealer Relationship Management

• Build and maintain strong working relationships with dealers and OEM sales teams in the assigned territory
• Regularly visit dealerships to assess dealers inventory levels, fund requirements, and business opportunities for captive
• Educate dealers on various financing schemes, product features, and digital working capital solution for captive.

Business Development & Disbursements

• Achieve monthly and quarterly wholesale disbursement targets across inventory funding limits, term loans, or working capital products
• Drive dealer onboarding, document collection, credit approval sanction and completing post formalities, and achievement of minimum limit utilization target.
• Support rollout of OEM wholesale programs and incentive schemes at the regional level

Credit Coordination & Approvals

• Work closely with credit managers and operations team to facilitate dealer proposals, renewals, and escalations
• Track status of credit files, approvals, and ensure timely limit setups
• Provide feedback on competition working, various requirement to credit and policy teams based on field experience.

Process & System Adoption

• Assist dealers on digital portal for all request and automate limit management systems.
• Ensure compliance with RBI norms, company credit policies, and ethical sales practices
• Support resolution of operational or disbursement-level issues at ground level and maintain TAT.

Business Acumen

• In-depth understanding of the NBFC and BFSI sectors, basic understanding of financial reports, including balance sheets, profit and loss statements, cash flow statements, and other relevant financial metrics.
• Identify and acquire new wholesale clients, leveraging networks, referrals, and developing new relationships. Build and maintain strong relationships with existing clients to ensure retention and cross-selling opportunities.
• Monitor the overall health of the wholesale loan portfolio, including tracking compliance with loan covenants, performing receivable audits, and analysing trends in collections and portfolio quality

Knowledge and Skills

• Strong understanding of

  automotive channel financing / Passenger Vehicle Four Wheeler dealer financing

  and other working capital finance products (Inventory Funding, Term Loan, Demo Vehicle Finance, spare parts finance etc.) for Automobile Dealers.
• Excellent field

  sales acumen

  , relationship building with OEM Dealers and Knowledge of

  credit documentation, disbursement workflows, and credit lifecycle.

• Excellent communication, negotiation, and interpersonal skills.
• Should have good understanding of wholesale finance .

Education and Experience

• MBA/bachelor’s degree in business, Sales & Marketing, or a related field.
• 10 -12 years’ experience in sales, preferably within the Captive Finance NBFC/Banking sector and specifically in wholesale lending / Supply Chain Finance with Proven track record of achieving sales targets and driving revenue growth

  .

• Proficiency in Microsoft Office Suite.
• Candidate well versed with the territory and prospective clients (KIA and HMI Dealers) will be added advantage