Job Summary


We are seeking a highly skilled and customer-focused Retail Finance Manager to manage and facilitate financing solutions for our automobile buyers.
The ideal candidate will oversee credit processes, assess risks, build partnerships with financial institutions, and ensure smooth loan approvals while driving customer satisfaction and vehicle sales.


Key Responsibilities


Facilitate auto-loan financing options for retail buyers in collaboration with banks, microfinance institutions, and other lending partners.
Conduct credit risk assessments, credit appraisals, and loan structuring to ensure high-quality loan portfolios.
Manage and monitor customer loan applications, ensuring timely approval, disbursement, and compliance with internal and regulatory requirements.
Develop partnerships with financial institutions to expand financing options for customers.
Implement credit policies, SOPs, and risk management frameworks to minimize defaults and maintain a healthy portfolio.
Track loan performance, monitor NPL/PAR ratios, and oversee recovery efforts where necessary.
Support the sales team by designing financing packages that make products more accessible to customers.
Provide financial advisory support to customers, guiding them on loan products, interest rates, repayment plans, and eligibility requirements.
Generate reports on loan origination, approval rates, repayment performance, and credit risk exposure for management decision-making.
Ensure strict compliance with company policies, industry regulations, and lending guidelines.


Qualifications & Experience


Bachelor’s degree in Finance, Banking, Accounting, Business Administration, or related field (Master’s degree/MBA is a plus).
Professional certifications in Credit Risk, Banking, or Risk Management (e.g., RIMAN, CIBN) are an added advantage.
Minimum of 7–10 years’ experience in credit risk management, retail financing, consumer lending, or microfinance.
Proven track record of loan portfolio management with low non-performing loan (NPL) ratios.
Strong understanding of credit risk assessment, regulatory compliance, and financial structuring.
Excellent relationship management skills with banks, MFIs, and other financial partners.
Strong analytical, negotiation, and problem-solving skills.
Proficiency in financial software, credit analysis tools, and MS Office Suite.


Key Competencies:


Credit Risk Assessment & Loan Structuring
Retail & Consumer Finance
Regulatory Compliance & Risk Mitigation
Strategic Partnerships with Financial Institutions
Loan Recovery & Portfolio Management
Strong Communication & Customer Advisory Skills.