Tractor Junction - Zonal Head - Sales - Auto Finance

Job Description Zonal Head North:

Position: Zonal Head North

Business: Used & New Car Loans

Department: Sales / Retail Assets

Location: North India

Experience: 10-15 Years

Industry: Banking / NBFC / Fintech / Auto Finance

Role Overview:

We are looking for an experienced and result-oriented Zonal Head North to lead and scale the Used & New Car Loan business across multiple states in North India. The incumbent will be responsible for business growth, sales strategy, dealer/channel expansion, team leadership, disbursement targets, portfolio quality and overall market development across the assigned zone.

Key Responsibilities:

- Own the business targets, disbursement and revenue for the North Zone.

- Develop and execute strategies for Used & New Car Loan business growth.

- Lead and manage a multi-layered sales team across multiple states and cities.

- Build and strengthen relationships with car dealers, used-car dealers, OEMs, DSA/DSO and other channel partners.

- Expand the dealer and channel network to increase market penetration.

- Drive the complete sales funnel from lead generation to login to approval to documentation to disbursement.

- Monitor state-wise and branch-wise performance and improve team productivity.

- Identify new markets and business opportunities across North India.

- Work closely with Credit, Operations, Collections and Product teams to improve TAT and conversion.

- Ensure adherence to company credit policies, compliance requirements and process guidelines.

- Monitor portfolio quality, rejection rates, delinquency and overall business health.

- Conduct regular performance reviews and develop action plans for underperforming locations.

- Recruit, coach, mentor and retain high-performing sales leadership teams.

- Maintain strong relationships with key strategic dealers and business partners.

Candidate Profile:

- Graduate / MBA / PG preferred.

- 10-15 years of experience in Auto Finance / Car Loans / Retail Lending / NBFC / Banking.

- Strong experience in Used Car Loans and/or New Car Loans is mandatory.

- Candidates who have handled multiple states / regions will be preferred.

- Proven experience managing large sales teams and multi-city operations.

- Strong dealer/channel network in North India.

- Excellent business development, negotiation and stakeholder-management skills.

- Strong understanding of retail auto-finance processes, credit, documentation and collections.

- Target-driven, analytical and strong in team leadership.

Ideal Candidate:

A strong business leader currently working as Zonal Head / Regional Head / State Head / National Sales Manager / Senior Regional Sales Head in Car Finance, Used Car Finance, Auto Loans, Banking or NBFC.