Cluster Manager – EV 3-Wheeler Financing

Job Title: Cluster Manager – EV 3-Wheeler Financing (Sales & Collections)Job Overview

The Cluster Manager will lead the sales, operations, and collections for electric 3-wheeler financing across multiple assigned locations. The role involves expanding business, managing teams, building channel partnerships, ensuring compliance, and maintaining healthy portfolio performance.

Key Responsibilities1. Business Development & Sales

• Drive sales and achieve disbursement targets for EV 3-wheeler loans (loaders and passenger vehicles).
• Develop new geographies and markets to expand the financing network.
• Implement effective sales strategies to meet cluster-level targets.
• Build and maintain strong relationships with dealers, distributors, manufacturers, and channel partners.
• Identify and onboard new business partners to drive growth.
• Conduct market research to understand customer needs, competitor activities, and emerging industry trends.
• Ensure smooth execution of marketing and promotional activities across the cluster.

2. Team Management

• Recruit, train, and manage Sales Managers, Field Executives, and Sales Officers.
• Monitor team performance, provide guidance, and align efforts with organizational goals.
• Conduct regular team meetings to review targets, challenges, and strategies.
• Lead and mentor sales executives and collection staff to achieve monthly targets.
• Set performance goals and provide constructive feedback.
• Drive a culture of accountability, productivity, and customer focus.

3. Customer Relationship Management

• Maintain a customer-first approach and address customer grievances effectively.
• Enhance customer experience by simplifying loan processes and reducing turnaround time.

4. Credit & Risk Management

• Coordinate with the credit team for loan assessments and approvals.
• Implement robust risk management practices to minimize delinquencies.
• Oversee collection processes and ensure portfolio quality remains healthy.

5. Compliance & Reporting

• Ensure smooth execution of financing operations including documentation, disbursements, and collections.
• Ensure adherence to regulatory guidelines, company policies, and compliance standards.
• Maintain accurate sales, collection, and customer records.
• Prepare and present periodic reports on sales performance, credit quality, collections, and market trends.

6. Market Insights & Strategy

• Stay updated on competitor activities, market developments, and EV financing trends.
• Provide insights to refine market strategies and product offerings.
• Collaborate with marketing teams for lead generation and promotional activities.

7. Portfolio Management & Collections

• Manage and monitor the loan portfolio to balance new business and recoveries.
• Oversee collections and recovery activities to ensure low delinquency rates.
• Implement strategies for managing NPAs and ensuring timely follow-ups.
• Coordinate with the field team to resolve delayed or disputed payments.

Preferred Candidate ProfileQualifications

• Graduate/Postgraduate in Business Administration, Finance, or related fields.

Experience

• 7+ years of experience in retail lending or commercial vehicle financing.
• Minimum 2–3 years in a managerial role.
• Strong experience in CV/EV vehicle financing is highly preferred.
• Good understanding of the 3-wheeler (loader/passenger) market and financing ecosystem.

Skills & Competencies

• Excellent leadership, communication, and relationship-building skills.
• Strong negotiation skills and a hands-on, go-getter attitude.
• Knowledge of credit appraisal, risk assessment, loan disbursement, and collection processes.
• Strong analytical and problem-solving skills.
• Proficiency in MS Office & familiarity with CRM tools.
• Tech-savvy with the ability to work with mobile apps and digital systems.
• High attention to detail and accuracy.
• Willingness to travel extensively within the cluster.

Perks & Benefits

• Best in industry compensation and benefits.

Job Type: Full-time

Pay: ₹1,000, ₹1,200,000.00 per year

Application Question(s):

• Do you have minimum 7 years of experience in retail lending or vehicle financing? (Yes/No)
• 1. Do you have at least 2–3 years of managerial experience handling a sales & collection team? (Yes/No)
• 1. Do you have hands-on experience in EV or Commercial Vehicle (CV) financing, especially 3-wheeler loans? (Yes/No)

Work Location: In person