Area Business Manager

Key Responsibilities

Business Development

• Achieve monthly, quarterly, and annual auto loan disbursement targets.
• Drive sourcing of vehicle finance business through Mahindra dealerships.
• Increase market penetration and share of finance within assigned dealerships.
• Develop and execute territory growth plans to maximize business opportunities.
• Identify and onboard new dealer touchpoints within the assigned geography.

Dealer Relationship Management

• Develop strong relationships with Dealer Principals, Sales Heads, Branch Managers, and Sales Consultants.
• Conduct regular dealer visits to strengthen engagement and business generation.
• Act as the single point of contact for dealership financing requirements.
• Ensure high visibility of company products and schemes within dealership premises.

Sales and Portfolio Management

• Generate quality business while maintaining desired credit and portfolio parameters.
• Drive cross-selling of insurance, protection products, and ancillary offerings.
• Monitor conversion ratios from login to disbursement.
• Track and improve dealership-wise productivity.

Credit and Process Compliance

• Ensure adherence to company policies, credit norms, and regulatory guidelines.
• Monitor quality of sourced applications and minimize policy deviations.
• Coordinate with credit, operations, and collections teams for faster turnaround.
• Ensure accurate documentation and compliance with KYC and AML requirements.

Team Management

• Lead and mentor Business Executives / Relationship Officers within the territory.
• Set performance expectations and monitor productivity.
• Conduct regular coaching, training, and performance reviews.
• Ensure effective deployment of manpower and territory coverage.

Stakeholder Coordination

• Liaise with Credit, Operations, Collections, Insurance, and Dealer Management teams.
• Resolve dealer escalations and customer issues within defined TAT.
• Participate in business reviews and provide market intelligence.

Market Intelligence

• Track competitor schemes, interest rates, and dealer incentive programs.
• Analyze market trends and customer behavior.
• Recommend business strategies to improve competitiveness and profitability.