7 JSW Steel Jobs

Key Responsibilities:

Sales:

• New Business Acquisition: Drive sales of vehicle finance products (including Commercial Vehicles, Construction Equipment, Auto Loans, and Refinance) by identifying new clients, dealers, and OEM partnerships.
• Lead Generation & Conversion: Identify potential customers, generate leads, and convert them into loan applications, ensuring the maximum business penetration in the assigned region.
• Market Strategy Development: Develop and execute strategies for increasing business volumes and market share in the targeted zones.
• Customer Relationship Management: Build and maintain strong relationships with dealers, OEMs, and clients to foster repeat business and enhance customer loyalty.
• Sales Training & Development: Train and guide sales teams on products, market trends, and strategies to enhance sales performance.

Credit:

• Credit Assessment: Evaluate loan applications based on customers' creditworthiness, financial viability, and risk profiles, ensuring compliance with internal credit policies and guidelines.
• Credit Approvals: Approve or decline loan applications after thorough credit checks, including analyzing financial documents and understanding the customer's financial stability.
• Portfolio Management: Monitor loan portfolios to assess the performance of existing clients and ensure minimal risk exposure.
• Collaboration with Risk Team: Work closely with the Risk and Underwriting teams to ensure sound credit practices and mitigate any potential defaults.

Collections:

• Collections Strategy Development: Develop and implement effective collection strategies to ensure timely recovery of dues from clients.
• Customer Follow-up: Regularly communicate with customers to remind them of upcoming payments and follow up on overdue loans.
• Problem Resolution: Handle escalations related to non-payment and coordinate with legal teams when necessary to resolve defaulting accounts.
• Performance Monitoring: Track collection targets and work towards minimizing delinquency rates while ensuring customer satisfaction.
• Compliance & Reporting: Ensure that all collection activities comply with internal and regulatory standards, maintaining accurate records for reporting purposes.

Qualifications:

• Education: Bachelors degree in Finance, Business, or related field. Additional certifications in finance or banking are a plus.
• Experience: Minimum 10 years of experience in Vehicle Finance, Sales, Credit, and Collections within an NBFC or banking environment.
• Skills:
• Strong knowledge of vehicle finance products (Commercial Vehicles, Auto Loans, Construction Equipment, Refinance).
• Experience in managing a portfolio, conducting credit risk assessments, and handling collections.
• Excellent interpersonal and communication skills to work with customers, dealers, OEMs, and internal teams.
• Strong negotiation skills and ability to build long-term relationships with customers and stakeholders.
• Proficient in MS Office (Excel, Word, PowerPoint) and experience using CRM and loan management systems.
• Ability to develop sales strategies and implement them effectively.