Purpose of the Role The role is responsible for ensuring channel partner have finance options for retail sales and working capital. The role helps drive business growth for channel partner and provides risk management the organization. The role also facilitates sales by offering insurance as additional value to all customers

Job Responsibility

1. Risk Management:

Develop and execute plans to provide channel partners with access to multiple approved lines of credit to help business growth and de-risking of Tata Motors Limited business

Support channel partners to achieve 45 days working capital adequacy

Work with dealers to assess the availably of credit and induct additional financiers to reduce financier concentration risk at dealership

Monitor and analysis utilization of credit lines by dealers and make recommendations to optimize

Monitor and help each dealer achieve multiple retail finance relationships including PCG volume

Facilitate dealers having multiple retail financiers and banks, to minimize dependency on a few helping de-risk the business for Tata Motors Limited

Facilitate dealers offering multiple retail financier schemes to customers to drive closure of leads

Check that all top 5 financier should comprise of at least 50% of retail finance business with all having minimum 10% share by tracking the financing data for each dealer.





Drive Tata Motors Insurance penetration with dealers to help generating revenue and value added services us

2. Relationship Management:

Coordinate and work with dealers, banks and financiers to provide the dealer with financial options to help drive business growth.

3. People Management:

Train dealers on best practices of optimizing credit line for working capital

Stakeholder Profiles & Nature of Interactions

Internal:

Regional Head (RCFI)

Functional and Administrative

SHQ RCFI Team

Communication of Monthly Financier Schemes

TSM, AM

Retail Finance Co-ordination

External:

Retail Financiers Private Banks and NBFCs

Negotiation for streamlining of funding of commercial vehicles under various schemes and campaigns

Dealers

Coordination for finance availability to all customers on retail front and also at Dealership end (working capital)

Banks/NBFCs For sanction and disbursement of working capital limits

PCG Banks and LNBFC

Negotiation for tie-ups and launch of localized schemes

Desired Candidate Profile

- Education : MBA (Marketing Or Finance ) or equivalent degree
- Relevant Experience : 8 10 Years
- Understanding of Financials
- Knowledge of Loan Products, Auto Financing Process, CV Financing, Channel Management

Skills & Competencies

- Business Acumen
- Detail Oriented
- Relationship Building
- Business Acumen

📌 Senior Manager - Retail Channel Finance & Insurance (Kolkata)
🏢 Tata Motors Global Services
📍 Kolkata