Head - Sales & Collections - 3W Retail Financing

Key Responsibilities:

1. Lender & Capital Partnerships:

- Set up lender relationships from scratch across banks, NBFCs, and other institutional capital providers.

- Structure and negotiate on-book and off-book debt arrangements.

- Build scalable lending programs for capital deployment aligned with Astranovas risk and growth objectives.

- Drive pricing, tenure, and credit policy discussions with lenders in collaboration with credit teams.

- Manage ongoing lender performance, reporting, and relationship health.

2. Sales Enablement & Channel Strategy:

- Own the sales strategy for the 3W retail financing business.

- Work closely with OEMs, dealers, and channel partners to drive loan penetration.

- Design incentive structures and programs to improve dealer productivity and conversions.

- Enable field and partner sales teams with processes, training, and product clarity.

3. Collections & Portfolio Performance:

- Own collections strategy across early, mid, and late-stage delinquencies.

- Build and scale internal and external collections setups.

- Monitor portfolio quality, roll rates, and recoveries; implement corrective actions proactively.

- Coordinate with credit and risk teams to refine underwriting and reduce future delinquencies.

4. Cross-Functional Leadership:

- Work deeply across credit, product, operations, and finance to build a robust retail lending engine.

- Provide feedback into product design based on lender requirements and field realities.

- Establish SOPs, dashboards, and performance metrics across sales and collections.

- Hire, mentor, and scale high-performing teams as the business grows.

5. Strategic Growth & Ownership:

- Act as a P&L-oriented leader for the 3W retail vertical.

- Identify new growth opportunities, geographies, and partner segments.

- Prepare the business for scale with institutional capital and long-term lender relationships.

- Transition into Business Head 3W Retail based on demonstrated execution and outcomes.