About the Role

The Used Channel Head is responsible for driving the pan-India Used Auto and Used Commercial Vehicle business, with end-to-end ownership of business growth, disbursement, profitability, market share and portfolio performance.

The role will lead the development and execution of the Used business strategy by building scalable channel and distribution capabilities, strengthening partnerships with aggregators, fintechs, OEMs, dealers and other strategic partners, and driving product and pricing innovation across customer segments.

Details of the Role

Department Retail Lending Grade SVP II

Sub-Department RL- Wheels Reporting (Business) EVP (Group Head)

Location Mumbai Reporting (Matrix)

Key Responsibilities

- Business Development : Drive pan-India business growth, disbursement, profitability and market share across Used Car and Used Commercial Vehicle segments.
- Aggregator & Strategic Partnerships: Build and strengthen relationships with aggregators, fintechs and other strategic partners to create scalable sourcing opportunities and enhance business volumes.
- Product Innovation across customer segments including pricing to address evolving market and customer needs.
- P&L; & Risk-Calibrated Portfolio Management: Own the P&L; and portfolio performance, balancing growth, yield, profitability and credit costs while ensuring a healthy, risk-calibrated portfolio.
- Team Management : Lead and develop the national team, build functional capabilities, productivity and establish a strong operating cadence with clear performance metrics.
- CV & Auto OEM Relationships: Develop and deepen strategic relationships with CV and Auto OEMs, dealer ecosystems and other industry stakeholders to strengthen sourcing, partnerships and business opportunities.
- 7. Digital Readiness & Customer Journeys:



Drive digital transformation and readiness across sourcing journey including documentation, sanction and disbursement to create seamless and differentiated customer journeys.
- 8. Channel & Distribution Management: Build and optimise a multi-channel distribution strategy across branches, direct channels, DSAs/aggregators and dealers, ensuring wider reach and improved channel productivity while controlling COA.
- 9. Simplify and standardise processes, improve TAT, productivity and operational efficiency while introducing process improvements across the lending lifecycle.
- 10. Analytics & Performance Management: Leverage data, analytics and market intelligence to identify growth opportunities and monitor portfolio trends.
- 11. Governance & Compliance: Ensure robust business governance, policy adherence, regulatory compliance and control mechanisms in line with guidelines laid down by the Bank.

Qualifications

- Graduation/Post-graduation from a recognized institute
- 10+ years of work experience

Role Proficiencies

- Strong understanding of retail banking products.
- Proficient in capitalizing on business opportunities for Auto Loans, understanding and resolving the challenges and gaps faced in the business
- Key competence in management of diverse internal and external stakeholders, complex client and partner relationships
- Knowledge of latest developments in market and industry, ability to translate and implement the same to drive business
- Capability to handle pressure and meet deadlines
- Skill in managing teams; coaching and mentoring team members
- Competence in managing within a dynamic, priority-setting environment
- Strong communication skills with the ability to converse and be impactful across all levels internally as well as at a client’s organization.

Refer to the

📌 RL - Wheels:Product - Used Channel Head (Mumbai)
🏢 Axis Bank
📍 Mumbai