Retail Finance Manager

Position : Head – Wholesale Inventory Funding & Working Capital Finance

Location : Hyderabad (Head Office) – All India Operations

Department : Executive Office / MIS & Operations

Reporting To : Group Chief Business Officer

Experience : 15–20 Years

Position Overview

The Head of Wholesale Inventory Funding & Working Capital Finance will lead and manage all aspects of inventory funding, working capital financing, and term loans for a multi-brand, pan-India automobile distribution business. The role focuses on ensuring seamless arrangement, renewal, monitoring, and repayment of finance limits for vehicles, spare parts, and accessories sourced from various OEMs, along with meeting routine and expansion-driven working capital needs.

This position requires strong banking relationships, robust financial planning, and the ability to lead a high-performance team while coordinating with multiple internal and external stakeholders.

Key Responsibilities

• Build and strengthen relationships with Banks, NBFCs, and other financiers to arrange inventory funding, working capital limits (including dealer / channel finance and supply chain finance), and term loans for business operations and strategic requirements.
• Lead the complete lifecycle of financial facilities including renewal, expansion, enhancement, documentation, and repayments, ensuring zero overdue accounts and proactive planning of limit requirements.
• Coordinate effectively with OEMs and automobile brands for procurement-related finance arrangements; ensure working capital lines align with business growth and expansion plans.
• Manage routine and special stock audits for all financiers; maintain accurate reports, statements, and documentation for compliance and regulatory submissions.
• Oversee preparation, vetting, and execution of legal agreements with financiers; ensure adherence to compliance norms, stock statements, balance sheet submissions, and statutory documentation.
• Drive cross-functional coordination with internal teams and external stakeholders to ensure seamless finance availability and optimum utilization across locations and product categories.
• Lead, coach, and develop a team of executives; foster operational excellence, performance accountability, and strong stakeholder engagement.

Qualifications & Experience

Desired Skills

Personal Attributes

Summary

This leadership role is critical in ensuring nationwide operational liquidity, compliance, and financial discipline. The incumbent will enable efficient inventory procurement, working capital utilization, and overall financial stability to support sustainable business growth in a dynamic automotive distribution environment.