Job Description

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: ?1,000,000.00 - ?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) 2. Do you have at least 2-3 years of managerial experience handling a sales & collection team? (Yes/No) 3. Do you have hands-on experience in EV or Commercial Vehicle (CV) financing, especially 3-wheeler loans? (Yes/No)
Work Location: In person