Job Purpose

To acquire, manage, and grow dealer relationships by providing working capital and inventory financing solutions to automobile, tractor, commercial vehicle, two-wheeler, and equipment dealers, while ensuring portfolio quality and compliance.

Key Responsibilities

Business Development & Acquisition

Source and onboard in the targeted ecosystem new automobile dealer CV / PV / STEEL dealers for dealer finance facilities.
Build strong relationships with OEMs, distributors, and dealer principals.
Achieve disbursement, revenue, and AUM targets as per business plan.
Identify cross-sell opportunities (CASA, insurance, working capital , etc.).

Relationship Management

Act as the primary point of contact for assigned dealer portfolio.
Maintain long-term relationships to ensure repeat business and portfolio growth.
Address dealer queries related to limits, drawdowns, repayments, and documentation.

Credit & Operations Coordination

Collect and verify KYC, financials, stock statements, and other credit documents.
Prepare credit proposals and coordinate with credit, operations, and legal teams.
Ensure timely renewal, enhancement, and review of limits.
Monitor inventory funding, stock audits, and utilization of limits.

Portfolio & Risk Management

Monitor dealer account performance and early warning signals.
Ensure timely collections, overdue follow-ups, and delinquency control.
Adhere to credit policies, compliance norms, and audit requirements.
Maintain portfolio quality within prescribed delinquency levels.

Market & Industry Intelligence

Track local market trends, OEM schemes, dealer sales cycles, and competition.
Provide feedback on product features, pricing, and process improvements.

Key Performance Indicators (KPIs)

NTB Disbursement & AUM growth
Number of new dealer acquisitions
Portfolio quality (DPD / NPA levels)
Yield & fee income
Renewal & retention ratio

Education

Graduate in any discipline (MBA preferred)

Requirements

Necessary experience minimum 5 yrs in Dealer Finance / Auto Loans / SME Lending
Prior experience with banks / NBFCs preferred
Graduate in any discipline (MBA preferred)
Track local market trends, OEM schemes, dealer sales cycles, and competition.
Knowledge of OEM-dealer ecosystem
Experience handling automobile, CV, PV, STEEL dealer portfolios
Local market knowledge and dealer network

Skills & Competencies

Strong relationship management and negotiation skills
Understanding of dealer finance products and inventory funding
Credit appraisal and financial analysis skills
Knowledge of OEM-dealer ecosystem
Good communication and coordination abilities

Preferred Background

Experience handling automobile, CV, PV, STEEL dealer portfolios
Exposure to stock audits, dealer renewals
Local market knowledge and dealer network

Relationship Manager, Supply Chain Finance/ Dealer Finance