Retail Finance Manager

Job Title: Head Retail & Channel Finance

Location: PAN India, Based out of Bangalore

Department: Sales / Retail Finance / Channel Development

Reports To: Sales / Business Head

Role Overview:

We are looking for a dynamic and experienced Retail & Channel Finance professional to lead the development and execution of our financing strategy across regions. The role is responsible for driving retail loan penetration, expanding financier networks, designing consumer financing schemes, and enabling channel partners with working capital and inventory funding solutions. The ideal candidate brings a deep understanding of automotive finance (ICE & EV) and has a proven track record in driving sales enablement through financing.

Key Responsibilities:

1. Retail Finance Strategy & Execution

• Design and implement innovative, customer-centric retail finance schemes in partnership with NBFCs, banks, and fintechs.
• Launch digital retail finance solutions across the dealer network to enhance customer experience and loan turnaround.
• Negotiate and secure monthly and festival-based schemes with financiers to drive loan affordability and sales volume.
• Monitor retail penetration rates by region, product, and financier; optimize performance based on MIS insights.

• Establish and manage inventory funding tie-ups to support dealer working capital needs.
• Ensure timely credit availability and manage exposure across dealer networks.
• Maintain dealer financial health by evaluating balance sheets, payment cycles, and risk indicators.

3. Financier Relations & Onboarding

• Lead tie-ups with national and regional NBFCs/Banks for retail and channel financing.
• Execute MOUs and policy documents ensuring alignment with business terms and compliance standards.
• Expand reach by onboarding new financiers and digital lending partners.

4. Sales Enablement & Dealer Support

• Collaborate with regional sales and dealer teams to resolve finance-related issues.
• Conduct training and upskilling programs for dealership finance executives and inside sales teams.
• Drive participation in loan melas, financier meets, and joint promotional campaigns with banks/NBFCs.

5. Reporting, Analysis & Compliance

• Develop and maintain detailed MIS dashboards for tracking financier performance, scheme utilization, and ROI.
• Provide periodic insights to sales leadership for informed business decisions.
• Ensure documentation, compliance, and audit-readiness of all financing arrangements.

Key Skills & Competencies:

• Expertise in Retail & Channel Finance (2W/EV segment preferred)
• Strong Financier & Stakeholder Management skills
• Proven ability to negotiate & structure finance offerings
• Strong understanding of credit processes, lending norms, and working capital management
• Proficiency in MIS creation, analytics, and reporting tools
• Team leadership and capability development experience
• Excellent communication, collaboration, and problem-solving skills

Qualifications & Experience:

• Graduate/Postgraduate in Finance, Business Administration, or related fields
• Minimum 10 years of experience in automobile finance, BFSI, or mobility sectors
• Exposure across multiple regions (Nort, West, South, East India) with strong understanding of regional business nuances will be an added advantage.

Preferred Industry Background:

• Automobile (2W, EV)
• NBFC / Banking / FinTech
• Mobility Platforms
• BFSI with auto loan specialization