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

Regional Manager

Coordination for input on competition network and identify gaps in existing network. Dealers sales performance and dealer profitability

SHQ RCFI Team

Communication of Monthly Financier Schemes





Regional SNM Head

Understand Network Strategy for the state and MIS sharing for information related to Channel Partners in terms of business enablers, issues raised, etc. Obtain approval for vendor selection, commercials and commencement of Business

RSM / AM (Sales)

Inputs on dealer sales performance

TSM, AM

Retail Finance Co-ordination

Coordination in getting inputs of competition network MIR reports/ news letters/Sales data

RMCC / RTSM (Customer Care)

Coordination for approvals for new dealer workshops

State Service Managers

Coordination for infrastructure approvals from layout stage to final COB compliance

External:

Dealers

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

Communication on various inputs/information/documents/agreements

Information on CPSC

Banks/NBFCs For sanction and disbursement of working capital limits

PCG Banks and LNBFC

Negotiation for tie-ups and launch of localized schemes

Completing CPSC

Retail Financiers Private Banks and NBFCs

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

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

Tata Motors is an Equal Opportunity Employer, committed to a fair and transparent hiring process. All recruitment decisions are based strictly on Merit, Role alignment,



and Business requirements. It does not solicit or accept any form of payment or gratuity from candidates at any stage of the recruitment process. Any such request received should be considered fraudulent and reported immediately.

About Tata Motors:

Part of the USD 180 billion Tata group, Tata Motors Limited (BSE: 500570; NSE: TATAMOTORS), a USD 52 billion organization, is a leading global automobile manufacturer of cars, utility vehicles, pick-ups, trucks, and buses, offering an extensive range of integrated, smart, and e-mobility solutions. With ‘Connecting Aspirations’ at the core of its brand promise, Tata Motors is India’s market leader in commercial vehicles and ranks among the top three in the passenger vehicles market.

Tata Motors strives to bring recent products that captivate the imagination of GenNext customers, fuelled by state-of-the-art design and R&D; centres located in India, the UK, the US, Italy, and South Korea. By focusing on engineering and tech- enabled automotive solutions catering to the future of mobility, the company’s innovation efforts are focused on developing pioneering technologies that are both sustainable and suited to the evolving market and customer aspirations. The company is pioneering India's Electric Vehicle (EV) transition and driving the shift towards sustainable mobility solutions by developing a tailored product strategy, leveraging the synergy between Group companies and playing an active role in liaising with the Government of India in developing the policy framework.

With operations in India, UK, South Korea, Thailand and Indonesia, Tata Motors markets its vehicles in Africa, the Middle East, Latin America, Southeast Asia, and the SAARC countries. As of March 31, 2025, Tata Motors’ operations include 93 consolidated subsidiaries, two joint operations, four joint ventures, and numerous equity-accounted associates, including their subsidiaries, over which the company exercises significant influence.

📌 Senior Manager-SCVPU SNM & RCFI Kolkata
🏢 TataMotors
📍 Kolkata