State Head (Vehicle Finance Experience Required)

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 classified as an Asset Finance Company. KAFL is promoted by Atul Auto Limited, a public listed company, along with Dr. Vijay Kedia of Kedia Securities. The organization focuses on providing structured financial solutions in the auto and asset finance segment. The company is rated A+ with a Stable Outlook by CARE Ratings, reflecting strong financial health and robust governance. KAFL offers a professional environment for growth-oriented financial services talent.

Role Description The State Head (Vehicle Finance) will oversee and drive the vehicle finance business operations across the state, ensuring achievement of sales, portfolio quality, and profitability targets. This full-time on-site role, based in Bhubaneswar, includes managing branch networks, leading and mentoring teams, and developing and executing state-level business strategies. Responsibilities include building and maintaining relationships with dealers, partners, and customers, monitoring collections and asset quality, and ensuring compliance with regulatory and company policies. The State Head will analyze market trends, identify growth opportunities, and collaborate with senior leadership on planning, budgeting, and performance reviews.

Qualifications

• Proven experience in vehicle finance or auto finance, preferably in an NBFC or banking environment.
• Strong leadership skills with experience managing multi-location sales and operations teams.
• Demonstrated ability in business development, dealer network management, and customer relationship management.
• Sound understanding of credit, collections, risk management, and regulatory compliance in retail lending.
• Comfortable working with data, MIS reports, and performance metrics to drive decisions and improvements.
• Excellent communication, negotiation, and stakeholder management skills.
• Bachelors degree in Business, Finance, Commerce, or a related field; MBA or equivalent postgraduate qualification is an advantage.
• Ability to work on-site in Bhubaneswar and travel extensively within the state as required.