State Head (Sales, Collection & Refinance)

Company Description Khushbu Auto Finance Limited (KAFL) is a leading Non-Banking Financial Company (NBFC), registered with the Reserve Bank of India since 1999 and currently operating as an Asset Finance Company. Promoted by Atul Auto Limited, a public listed company, and Dr. Vijay Kedia of Kedia Securities, KAFL has a strong and reputable ownership base. The company focuses on providing financing solutions primarily in the auto segment, supporting customers and partners across diverse markets. KAFL is rated A+ with a Stable Outlook by CARE Ratings, reflecting its sound financial performance and robust risk management. The organization offers a professional environment with opportunities for growth in the financial services and auto finance sector.
Role Description The State Head (Sales, Collection & Refinance) role is a full-time on-site position based in Bhubaneswar. The individual in this role will lead state-level sales operations, drive business growth, and ensure achievement of volume and revenue targets in auto finance. Daily responsibilities include managing sales teams, overseeing dealer and channel relationships, and monitoring portfolio performance. The role also involves supervising collection activities, reducing delinquency levels, and ensuring adherence to credit and compliance policies. In addition, the State Head will develop and execute refinance strategies, analyze market trends, prepare performance reports, and collaborate with senior leadership on planning and budgeting.
Qualifications
Strong Sales and Sales Management skills to drive new business, manage pipelines, and achieve state-level targets.
Proficiency in Account Management to maintain and grow relationships with dealers, partners, and key customers.
Effective Team Management abilities to lead, mentor, and develop sales and collection teams across the state.
Robust Analytical Skills to interpret portfolio data, assess risk, track performance indicators, and support decision-making.
Experience in NBFC, banking, or auto finance, especially in sales and collections, is highly desirable.
Bachelor’s degree in Business, Finance, Management, or a related field; a postgraduate qualification (MBA or equivalent) is an advantage.
Strong communication, negotiation, and stakeholder management skills.
Ability to work on-site, travel within the state as needed, and operate independently with accountability for results.
Sound understanding of credit processes, regulatory guidelines, and market practices in retail and auto financing.

Work arrangement
No