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Vehicle Finance : Business Head (Sales, Credit and Collection)

Vehicle Finance : Business Head (Sales, Credit and Collection)

ConfidentialMumbai
30+ days ago
Job description

Key Responsibilities :

Sales :

  • New Business Acquisition :  Drive sales of vehicle finance products (including Commercial Vehicles, Construction Equipment, Auto Loans, and Refinance) by identifying new clients, dealers, and OEM partnerships.
  • Lead Generation & Conversion :  Identify potential customers, generate leads, and convert them into loan applications, ensuring the maximum business penetration in the assigned region.
  • Market Strategy Development :  Develop and execute strategies for increasing business volumes and market share in the targeted zones.
  • Customer Relationship Management :  Build and maintain strong relationships with dealers, OEMs, and clients to foster repeat business and enhance customer loyalty.
  • Sales Training & Development :  Train and guide sales teams on products, market trends, and strategies to enhance sales performance.

Credit :

  • Credit Assessment :  Evaluate loan applications based on customers' creditworthiness, financial viability, and risk profiles, ensuring compliance with internal credit policies and guidelines.
  • Credit Approvals :  Approve or decline loan applications after thorough credit checks, including analyzing financial documents and understanding the customer's financial stability.
  • Portfolio Management :  Monitor loan portfolios to assess the performance of existing clients and ensure minimal risk exposure.
  • Collaboration with Risk Team :  Work closely with the Risk and Underwriting teams to ensure sound credit practices and mitigate any potential defaults.

    • Collections :

  • Collections Strategy Development :  Develop and implement effective collection strategies to ensure timely recovery of dues from clients.
  • Customer Follow-up :  Regularly communicate with customers to remind them of upcoming payments and follow up on overdue loans.
  • Problem Resolution :  Handle escalations related to non-payment and coordinate with legal teams when necessary to resolve defaulting accounts.
  • Performance Monitoring :  Track collection targets and work towards minimizing delinquency rates while ensuring customer satisfaction.
  • Compliance & Reporting :  Ensure that all collection activities comply with internal and regulatory standards, maintaining accurate records for reporting purposes.

    • Qualifications :

  • Education :  Bachelors degree in Finance, Business, or related field. Additional certifications in finance or banking are a plus.
  • Experience :  Minimum 10 years of experience in Vehicle Finance, Sales, Credit, and Collections within an NBFC or banking environment.
  • Skills :
  • Strong knowledge of vehicle finance products (Commercial Vehicles, Auto Loans, Construction Equipment, Refinance).
  • Experience in managing a portfolio, conducting credit risk assessments, and handling collections.
  • Excellent interpersonal and communication skills to work with customers, dealers, OEMs, and internal teams.
  • Strong negotiation skills and ability to build long-term relationships with customers and stakeholders.
  • Proficient in MS Office (Excel, Word, PowerPoint) and experience using CRM and loan management systems.
  • Ability to develop sales strategies and implement them effectively.

    • Skills Required

    Finance

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