State Head (Sales collection & refinance)

Company Description Khushbu Auto Finance Limited (KAFL) is a leading Non-Banking Financial Company (NBFC), registered with the Reserve Bank of India since 1999 and currently operating as an Asset Finance Company. Promoted by Atul Auto Limited, a public listed company, and Dr. Vijay Kedia of Kedia Securities, KAFL combines strong industry expertise with a robust financial foundation. The company focuses on providing structured finance solutions in the auto sector and related segments. KAFL is rated A+ with a Stable Outlook by CARE Ratings, reflecting sound governance, financial stability, and growth potential for team members joining the organization.
Role Description The State Head (Sales Collection & Refinance) is a full-time, on-site role based in Bhubaneswar. This position is responsible for leading and growing state-level business for auto finance, including new sales, collections, and refinance activities. Day-to-day responsibilities include setting sales targets, monitoring performance, and guiding branch and field teams to drive portfolio growth and quality. The role involves managing key dealer and partner relationships, ensuring timely collections, reducing delinquencies, and optimizing refinance opportunities. The State Head will also analyze market trends, prepare business reports, support compliance with internal policies and regulatory requirements, and collaborate with senior leadership on strategic initiatives.
Qualifications

• Strong Sales and Sales Management skills to drive volume growth, manage pipelines, and achieve revenue and collection targets.
• Proven Team Management and Account Management experience to lead diverse teams, oversee key accounts, and maintain long-term partner relationships.
• Advanced Analytical Skills to interpret portfolio data, track performance metrics, assess credit and collection risks, and support decision-making.
• Background in NBFC, banking, or asset/auto finance operations, with knowledge of collections, refinance products, and regulatory norms.
• Excellent communication, negotiation, and interpersonal skills, with the ability to collaborate across branches and senior leadership.
• Demonstrated ability to work on-site, travel within the state as needed, and operate in a target-driven environment.
• Bachelor's degree in business, finance, commerce, or a related field; a postgraduate qualification (MBA or equivalent) is an advantage.
• Proficiency in MS Excel and reporting tools, along with familiarity with CRM or loan management systems, is beneficial.