Job Description:

- Develop and execute the national business strategy for the Used Asset Refinancing portfolio in alignment with the organization's vision, growth objectives and profitability targets.

- Drive business expansion by identifying new market opportunities, customer segments, OEMs, dealers, brokers, auction partners and channel partnerships to strengthen the used asset financing ecosystem.

- Formulate and implement sales, sourcing, distribution and disbursement strategies to maximize portfolio growth while maintaining prudent credit and risk standards.

- Lead the end-to-end P&L of the Used Asset Refinancing business, ensuring achievement of business targets across disbursements, yields, portfolio quality, profitability and market share.

- Design and launch innovative financing products and structured solutions for used construction equipment, mining equipment, commercial vehicles and other eligible assets based on evolving market requirements.

- Collaborate closely with CME Sales, Credit, Risk, Collections, Operations, Legal and Product teams to ensure seamless execution, robust underwriting practices, and efficient turnaround times.

- Monitor business performance through periodic MIS reviews, identify performance gaps and implement corrective actions to achieve annual business objectives.

- Drive operational excellence by ensuring adherence to regulatory requirements, internal policies, credit processes, compliance standards and service level agreements.

- Continuously assess industry trends, competitive landscape, asset value movements and macroeconomic developments to refine business strategies and maintain market competitiveness.

- Strengthen dealer and channel engagement through strategic relationship management, partnership programs and business development initiatives to enhance sourcing quality and volumes.

- Ensure effective portfolio monitoring with a strong focus on asset quality, delinquency management, recoveries and risk-adjusted returns.

- Lead, mentor, and develop a high-performing national sales team by establishing clear performance objectives, conducting regular reviews and fostering a culture of accountability and customer-centricity.

- Build leadership capability through succession planning, talent development, coaching and continuous learning initiatives to support sustainable business growth.

- Represent the organization with key customers, OEMs, dealers, industry forums and strategic stakeholders to enhance the company's market presence and business opportunities.

- Any other additional responsibility could be assigned to the role holder from time to time as a standalone project or regular work.