Job Description

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Cluster Manager-Vehicle Finance

Multiple locations








Department
WEST BUSINESS
Job posted on
Jan 09, 2026
Employee Type
Permanent
Experience range (Years)
0 - 0

Cluster Manager-VF -
1. POSITION DESCRIPTION
JOB TITLE Sales Manager-VF GRADE SM
DEPARTMENT Vehicle Finance LOCATION BRANCH
SUB-DEPARTMENT TYPE OF POSITION Full-me
REPORTS TO Regional Sales
Manager
REPORTING INTO Relaonship Officer
1. ROLE PURPOSE & OBJECTIVEVehicle Finance Loan is a growing business for Ujjivan SFB. The Cluster Manager - Vehicle Finance

Loan is an important posion that will drive this business in the respecve cluster. The posion is
responsible for overall growth and success of the business in the cluster.Build efficient team of Relaonship officers/Business Correspondents in the clusters assigned Oversees the performance of the VF porolio of his/her cluster and branch in terms of growth

(amount and client base) and drive producvity of Relaonship officers by guiding them and
carrying out construcve reviews of their performanceOverall responsible for the control and recovery of loans in his/her cluster through risk

assessment and recovery strategies.In coordinaon with the Credit & Product teams, idenfies suitable branches and locaons for VF

business loan and gets the locaons acvated. Ensures proper goal seng, resource planning,
markeng and sourcing of VF business.Work closely with Product and Markeng team to drive suitable branding and markeng

acvies in his/her respecve cluster.
1. SIZE OF THE ROLE
FINANCIAL SIZE NON-FINANCIAL SIZE
POWERED BY
Sales Manager-VF - Cost of hiring and placing new Relaonship

Officers at branches & dealershipsOperaonal Cost of managing the

Conveyance and Claims of Relaonship
OfficersCost of procurement of markeng

collaterals, sales aids for brand buildingExpected to manage a porolio of Rs.15 Cr.

progressivelyManaging one or more products across the

branches of operaonsManaging a team size of 10-15 employees

progressivelyManaging assets like markeng collaterals,

Staonery and SystemsManaging hiring and placement of

Relaonship Officers at required branches &
dealerships
1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE
POWERED BY
Sales Manager-VF -
Business/ FinancialsDrive daily/ Weekly /Monthly accomplishment of targets according to the annual/monthly targets

established for the area and branches under his/her responsibility by providing guidance and
soluons to his/her team as requiredDrive addional business from referral channel, phone banking & pre-approved leads Manage dealer relaonship by close interacon with dealerships through regular visits Efficient staffing by mely recruitment & training of ROs Implement, supervise and control effecveness of commercial strategy with his/her team to

reach the producvity and growth targets established.Approve deviaons and excepons according to policy in place.

Customer (Both Internal & External)Ensure customers are educated about all products/services offered by Ujjivan. Ensure customer conversion by offering different products as per customer requirement. Focus on lower TAT as per laid down standards.

Internal ProcessEnsure compliance with lending guidelines, quality framework and audit requirements; ensure

speedy resoluon of any audit observaons and take necessary steps to prevent recurrence audit
and other regulaons.Drive collecon of inial EMIs [for 4MOB cases] through the ROs to ensure beer porolio

healthEnsure recovery & updaon of RC & PDDs withing the allowed me period through ROs Ensure, supervise the correct implementaon of the credit procedures including all the

respecve tools
Innovaon & LearningEnsure that all members of his team are up to date on all relevant circulars and all

products/services offered in the BranchEvaluate the staff competences in terms of promoon, business assessment and credit risk

assessment capacity and propose soluons for improvementEnsure adherence to training man-days/ mandatory training programs for self and reportees Ensure goal-seng, mid-year review and annual appraisal process within specified melines for

self and reporteesMonitor performance of ROs against defined goals/metrics and take correcve acon wherever

required
1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
POWERED BY
Sales Manager-VF -
Educaonal
QualificaonsGraduate in Commerce or relevant subjects An MBA or equivalent is an added advantage

Experience(Years
and Core
Experience Type)Minimum 5 years in sales and documentaon of loans of which at least 2-3

years in VF Loans, in an NBFC/ Bank/HFC. Mixed experience of Sales & Credit
is acceptable, but should be predominantly in sales
Cerficaons o Relevant cerficaons shall be an added advantage
Funconal Skills o Ability to create teams and drive sales performance. Will be required to take
complete ownership of VF business at Cluster level.Ability to engage with customers & dealers, Plan & execute Markeng and

Sales promoonAbility to speak and read regional language(s)- is desirable. Ability to

communicate in English (Read-speak-write) is required. Has good verbal
fluency and uses simple, clear and purposeful language.Adequate Computer knowledge

Behavioral Skills o Sound understanding of loan productsShould possess Training Skills Willingness to travel & relocaon as per business requirements and career

opportuniesManaging customer & dealer relaons Performance oriented

Competencies o Adequate Computer KnowledgeCompetent to handle MIS systems and Lending Soware

1. KEY INTERACTIONS
INTERNAL EXTERNALProduct and Markeng Team Regional Operaons, Credit Audit, Vigilance and FCU team Area Manager & RSM Legal Vendors External markeng agencies Competor Counterparts

PREPARED BY: Sabyasachi Mahapatra DATE: 02-02-2024
POWERED BY
Sales Manager-VF -
REVIEWED BY: PremKumar G DATE: 04-02-2024
LAST UPDATED BY: TM Team DATE: 13-02-2024
POWERED BY