National Sales Manager - New Car Loans

A National Sales Manager (NSM) for New Car Loans drives the strategic vision and sales performance for a bank's auto finance portfolio.

Responsibilities include setting sales targets, managing regional teams, forging OEM/dealer partnerships, and ensuring regulatory compliance.

Job Title: National Sales Manager (NSM) New Car Loans

Job Level: Senior Management

Location: Mumbai

Reports To: Business Head Wheels

Role Overview

As the National Sales Manager, you will spearhead the growth and profitability of the New Car Loan business across the country. You will be responsible for defining the overarching sales strategy, expanding market share, and building strong, strategic alliances with automobile manufacturers (OEMs), dealerships, and channel partners.

Key Responsibilities

1. Strategic Sales & Growth

- Drive the overall sales strategy, volume, and revenue targets for New Car Loans nationally.

- Identify and penetrate new regional markets to expand the banks geographical footprint.

- Monitor market trends, competitor activities, and economic indicators to proactively adjust sales strategies.

2. Partner & Relationship Management

- Cultivate and manage high-level relationships with key OEMs, regional dealer principals, and auto aggregators.

- Design and implement joint marketing campaigns, dealer subventions, and tie-ups to boost loan disbursals.

- Ensure seamless coordination between the sales teams and dealer networks to ensure fast turnaround times (TAT) for customer files.

3. Team Leadership & Development

- Lead, mentor, and build a high-performing national sales team, including Zonal Heads, Regional Managers, and Area Sales Managers.

- Set clear KPIs, conduct periodic performance reviews, and drive a culture of high achievement.

- Oversee recruitment, training, and continuous capability building for the sales workforce.

4. Portfolio Quality & Risk Management

- Maintain strict adherence to the banks credit policies and risk appetite.

- Monitor portfolio health, proactively manage Non-Performing Assets (NPAs), and ensure healthy collection ratios.

- Oversee credit underwriting processes to minimize fraud and maximize approval rates.

5. Compliance & Operations

- Ensure 100% compliance with internal banking policies, RBI regulations, and statutory guidelines.

- Oversee the audit process for sales documentation, customer verification (KYC), and payout processing.