Key Responsibilities:

Sales:

- Recent 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.

📌 Vehicle Finance: Business Head (Sales, Credit and Collection) (Mumbai)
🏢 JSW Steel
📍 Mumbai