Job Description

Cluster Manager - EV 3-Wheeler Financing (Sales and Collection)
Role Overview:
The Cluster Manager is responsible for overseeing the sales and operations of electric 3-wheeler
financing across multiple locations within the assigned cluster. This includes managing a team,
building relationships with channel partners, ensuring compliance, and achieving financial and
operational targets.
Key Responsibilities: * Business Development and Sales:
? Drive sales and achieve disbursement targets for EV 3-wheeler loans (both loaders and
passenger vehicles).
? Explore and develop new geographies and markets to expand the financing network.
? Develop and implement sales strategies to achieve assigned targets for EV 3-wheeler
financing in the cluster.
? Build and maintain strong relationships with dealers, distributors, and channel partners to
drive business growth.
? Identify, onboard, and nurture relationships with dealers, distributors, manufacturers, and
channel partners and business opportunities in the region.
? Conduct market research to understand customer needs, competitor activities, and
emerging trends in EV financing.
? Ensure smooth execution of marketing campaigns and promotions at the cluster level. * Team Management:
? Recruit, train, and manage a team of Sales Managers, Field Executives, and Sales
Officers.
? Monitor team performance, provide guidance, and ensure alignment with organizational
goals.
? Conduct regular team meetings to discuss targets, challenges, and strategies.
? Lead, train, and mentor a team of sales executives and collection agents to achieve
cluster targets.
? Set individual and team performance goals, monitor progress, and provide constructive
feedback.
? Drive a culture of high performance, accountability, and customer focus within the team. * Customer Relationship Management:
? Ensure a customer-centric approach by addressing grievances and building trust among
borrowers and stakeholders.
? Enhance the customer journey by simplifying loan processes and minimizing turnaround
time. * Credit and Risk Management:
? Collaborate with the credit team to assess and approve loan applications as per company
policies.
? Ensure minimal delinquencies by implementing robust risk management practices.
? Oversee collection processes and maintain portfolio health within acceptable parameters. * Compliance and Reporting:
? Ensure seamless execution of all financing operations, including documentation, loan
disbursements, and collections.
? Adhere to regulatory guidelines, company policies, and local laws related to financing.
? Monitor and report on key performance metrics, including sales, credit quality, and
collections.
? Ensure adherence to company policies, regulatory guidelines, and compliance standards
in all operations.
? Maintain accurate records of sales, collections, and customer interactions, and provide
regular updates to senior management.
? Prepare and present periodic reports on sales performance, collection status, and market
trends * Market Insights and Strategy:
? Stay updated on market trends, competitor activities, and industry developments in the
EV financing sector.
? Provide actionable insights to senior management to refine products and strategies.
? Collaborate with marketing teams for lead generation and promotional activities. * Portfolio Management and Collections:
? Monitor and manage the loan portfolio, ensuring a healthy balance of new business and
recoveries.
? Oversee collections and recovery processes, maintaining low delinquencies and
improving overall portfolio health.
? Implement effective strategies to manage Non-Performing Assets (NPAs) and ensure
timely follow-ups on overdue accounts.
? Coordinate with teams to resolve payment delays and disputes with customers.
Preferred candidate profile :
Key Skills and Competencies:
? Qualifications: Graduate/Postgraduate in Business Administration, Finance, or a related
field.
? Experience: 7+ years of experience in retail lending and CV financing, with a focus on
sales and collections, with at least 2-3 years in a managerial role.
? Proven experience in the vehicle financing domain, preferably in the CV/EV sector.
? Strong understanding of the 3-wheeler market (both loaders and passenger vehicles) and
associated financing needs.
? Experience in the CV sector is highly desirable.
? Skills: Strong interpersonal skills with a hands-on approach and a go-getter attitude.
? Excellent leadership, negotiation, and relationship-building skills.
? Knowledge of credit appraisal, risk assessment, and loan disbursement processes.
? Ability to work in a dynamic, target-driven environment.
? Detail-Oriented: High attention to detail and accuracy in all tasks.
? Tech Savvy: Ability to effectively convert sales data using computers and mobile apps.
? Proficient in MS Office and familiar with CRM tools.
? Mobility: Willingness to travel extensively to engage with the market and stakeholders.
Perks and benefits :
Best as per Industry norms.

Skills Required