Retail Finance Manager

2 weeks ago

Bengaluru, Karnataka, India Oben Electric Full time

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.

2. Channel Finance & Dealer Funding

  • 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

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