State Head (Sales & Collection & Refinance)

• State Head
• Company: Khushbu Auto Finance Ltd. (KAFL)
• Location: Bhubaneswar, Odisha
• Department:Sales / Collection / Refinance Experience:6–8 Years
• industry: Vehicle Finance / NBFC
• About the Company

Khushbu Auto Finance Ltd. (KAFL), incorporated in 1994, is a wholly-owned subsidiary of Atul Auto Limited (AAL) and specializes in three-wheeler vehicle financing. The company is an RBI-registered NBFC with a presence across multiple states in India.

Job Purpose

To lead and manage state-level business operations in Odisha, focusing on business growth, collection efficiency, portfolio quality, team management, and achievement of organizational targets in the three-wheeler vehicle finance segment.

Key Responsibilities

• Lead and manage sales, collection, and refinance operations across Odisha.
• Develop and implement strategies to achieve business growth and revenue targets.
• Drive three-wheeler vehicle loan sourcing through dealers, DSAs, and other business channels.
• Monitor collection performance, overdue accounts, and NPA recovery.
• Ensure effective management of portfolio quality and minimize credit losses.
• Build and maintain strong relationships with dealers, customers, and business partners.
• Recruit, train, guide, and monitor branch teams to improve productivity.
• Review branch-wise performance, business reports, collection targets, and operational efficiency.
• Ensure compliance with company policies, RBI guidelines, and applicable regulatory requirements.
• Coordinate with credit, operations, legal, and other departments for smooth business functioning.
• Identify new business opportunities and strengthen the companys market presence across the state.

Eligibility Criteria

• Graduate or postgraduate in any discipline; MBA will be preferred.
• 6–8 years of relevant experience in vehicle finance, preferably in the NBFC sector.
• Prior experience in handling state-level or multi-branch operations is preferred.
• Strong knowledge of sales, collections, portfolio management, and refinance operations.
• Proven leadership, team management, negotiation, and problem-solving skills.
• Good communication skills and the ability to manage business operations across multiple locations.
• Willingness to travel extensively within Odisha.

• Compensation
• Salary: As per experience and industry standards; negotiable for the right candidate.
• Job Location
• Bhubaneswar, Odisha
• Interested candidates can share their updated resume for consideration.