State Head - Car Loan Sales

Key Responsibilities:

1. Business Strategy & Execution

• Drive car loan business across the state to achieve monthly and annual disbursement targets.
• Design and execute sales strategies based on market potential, competitor activity, and customer behavior.
• Monitor and analyze performance across branches and regions under the state.

2. Team Leadership

• Lead, mentor, and manage a team of Area Sales Managers, Branch Managers, and Sales Executives.
• Build a high-performance sales culture through training, coaching, and setting clear KPIs.

3. Channel Management

• Develop and expand relationships with automobile dealers, DSAs, and aggregators.
• Ensure active channel engagement and resolve operational or commercial issues quickly.

4. Cross-Functional Coordination

• Liaise with credit, operations, collections, and risk teams to ensure smooth loan processing and post-disbursement documentation.
• Work with product and marketing teams for promotional campaigns and product feedback.

5. Compliance & Portfolio Health

• Ensure full adherence to RBI norms, KYC guidelines, and internal policies.
• Monitor portfolio quality, early delinquencies, and ensure timely corrective actions with collections support.

6. Reporting & Review

• Generate and present detailed business reports, sales dashboards, and market insights to senior management.
• Conduct regular review meetings with the team and channels.

Key Skills & Competencies:

• In-depth understanding of the car loan/auto finance industry, including both new and used car segments.
• Strong leadership, team-building, and stakeholder management skills.
• Excellent data-driven decision-making ability and analytical mindset.
• Strong dealer/DSA relationship network within the state.
• Proficient in MS Office, CRM systems, and loan origination platforms.