Zonal Sales Manager - Inventory Funding - Auto Loan

Job Overview:

We are looking for an experienced Zonal Sales Manager or Zonal Sales Head to lead the wholesale and retail auto-finance business across the assigned zone.

The incumbent will be responsible for driving business growth through dealer inventory funding, developing OEM and dealer relationships, expanding the dealer network, managing regional sales teams and ensuring achievement of business targets while maintaining portfolio quality.

The role requires strong exposure to automobile financing, particularly passenger vehicle dealer finance and inventory funding, along with an understanding of retail auto loans.

Key Responsibilities:

• Lead and drive wholesale and retail auto-finance business across the assigned geographical zone.
• Develop and manage relationships with automobile manufacturers, OEMs, dealer principals, promoters and key decision-makers.
• Drive dealer inventory funding, floor-plan financing and working-capital funding for passenger vehicle dealerships.
• Identify and acquire new dealers to expand the financing network and business portfolio.
• Manage existing dealer relationships and drive business penetration across the assigned territory.
• Oversee dealer onboarding, funding proposals, documentation, credit coordination, limit approvals and disbursement processes.
• Monitor dealer-level funding, vehicle inventory, utilisation, outstanding and overdue positions to ensure portfolio quality.
• Drive retail auto-finance business covering new and used passenger vehicles.
• Develop and execute sales strategies to achieve business, disbursement and portfolio growth targets.
• Lead, mentor and manage Regional Sales Heads, Business Managers and field sales teams.
• Work closely with Credit, Risk and Operations teams to ensure smooth business execution and timely disbursements.
• Monitor market developments, competitor activities, dealer requirements and business opportunities.
• Ensure effective portfolio management, collections coordination and adherence to internal policies and processes.

Desired Candidate Profile:

• Around 20 years of overall experience in Banking, NBFC or Automotive Finance.
• Strong experience in wholesale lending, dealer inventory funding, automobile dealer finance or working-capital finance.
• Exposure to passenger vehicle financing is highly preferred.
• Understanding of retail auto finance, including new and used car financing.
• Strong relationships with automobile OEMs, dealer groups and dealership promoters.
• Proven experience in new dealer acquisition, business development and portfolio management.
• Experience in managing regional teams and driving business across multiple locations.
• Good understanding of dealer onboarding, credit assessment, funding limits, disbursement and portfolio monitoring.
• Strong leadership, negotiation, relationship management and business development skills.