National Sales & Collections Head - Retail Lending

Title: National Sales & Collections Head - Retail Lending

Location: Gurgaon

Overview:

We are seeking a dynamic and motivated Business Leader to scale our Retail Loan Business. As the Head of Sales & Collections, the individual will be responsible to scale the current business lines across regions, and build & manage a high performing, high ownership team. The core responsibilities of the individual will be to own the entire distribution and collections cycle of the business, including building a highly competent team, and managing OEM and dealer relationships.

Roles & Responsibilities:

- Build and manage high-performing sales and collections teams across multiple cities and states, ensuring consistent monthly target achievement.

- Develop and expand a strong distribution network including dealers, sub-dealers, DCOs, and other external business influencers.

- Own the end-to-end sales cycle - from lead generation to loan disbursement, ensuring an efficient and scalable sales funnel.

- Drive collections performance, ensuring timely repayments with minimal NPAs.

- Manage repossession and redeployment of vehicles in case of customer defaults, minimizing credit losses.

- Ensure high customer and partner satisfaction by delivering a seamless experience across the journey.

- Collaborate with cross-functional teams to improve operational efficiency, credit performance, and market penetration.

Educational Qualifications / Work Experience & Skills:

- PG / MBA / Graduate with min 10 to 18 years of experience in Retail Lending in Pan India / North India or Managing Multiple Zones, preferably in the Commercial Vehicle / Auto Loans / Consumer Loans / Micro Finance space, with strong exposure to dealer management, sales, and collections.

- Proven experience in building and managing multi-layered, multi-geography teams.

- Excellent communication, negotiation, and stakeholder management skills.

- Data first approach to problem solving.

- Ability to drive high-performance teams in a target-driven environment.