Main Accountabilities

1. Regional Business Growth & Target Delivery

- Drive disbursement, book growth, and revenue targets for the region
- Build a strong portfolio across construction, mining, and infrastructure segments
- Ensure achievement of yield and profitability metrics

2. OEM & Dealer Relationship Management

- Develop and manage relationships with OEMs, dealers, and equipment vendors
- Strengthen sourcing through dealer networks and channel partners
- Drive repeat business through ecosystem engagement

3. Business Sourcing & Market Penetration

- Identify opportunities across contractors, fleet owners, and SMEs
- Expand presence in high-growth and underpenetrated markets
- Drive sourcing across new and used equipment financing

4. Sales Pipeline & Conversion Management

- Build and manage a strong pipeline of proposals and leads
- Ensure timely conversion into sanctions and disbursements
- Track deal movement and resolve bottlenecks

5. Portfolio Quality & Collections Coordination

- Monitor portfolio health, delinquency trends, and overdue accounts
- Work with Collections teams to improve recovery and asset quality
- Ensure balance between growth and portfolio quality

6. Credit & Operations Alignment





- Coordinate with Credit teams for efficient underwriting and approvals
- Work with Operations for onboarding and disbursement execution
- Improve TAT and customer experience

7. Utilization & Customer Engagement

- Drive limit utilization and repeat business
- Maintain strong engagement with customers and channel partners
- Ensure high levels of service quality and retention

Resources

Team Size

Direct: 6

Indirect Team Size (Onrolls):6

Qualifications & Experience

- 8–12 years experience in Equipment Finance / CEQ / SME Lending (Sales roles)
- Strong exposure to OEM/dealer ecosystem financing
- Proven track record in regional business development and target achievement
- Understanding of construction and infrastructure segments
- Robust relationship and team management skills
- Experience in NBFC / Bank preferred
- MBA preferred

Key Decisions taken

- Prioritization of OEMs, dealers, and sourcing channels
- Allocation of targets and territories across team members
- Pricing recommendations within defined frameworks
- Pipeline prioritization and deal closure strategy
- Actions on portfolio quality and recovery focus areas

📌 Regional Sales Manager - CEQ - Sales - Kolkata - Avani Signature
🏢 TATA CAPITAL
📍 Kolkata