About the role
Job Summary:The Regional Sales Manager will be responsible for driving and managing the 3-wheeler vehicle loan business across the entire Bihar state. This role requires strategic planning, team management, and strong relationship-building with dealers, financiers, and key stakeholders to achieve business targets and ensure portfolio quality.Key ResponsibilitiesBusiness Development & GrowthAchieve state-level monthly and annual disbursement targets for 3-wheeler loans.
Drive penetration across all key markets and towns; identify and activate high-potential dealers.
Launch local promotional campaigns and partnerships to enhance visibility.
Dealer & Channel ManagementBuild and nurture relationships with multi-brand 3-wheeler dealers, DSAs, and channel partners.
Negotiate commercial terms and ensure timely dealer onboarding.
Support dealers with product training and financing scheme updates.
Team LeadershipRecruit, train, and lead Area/Branch Sales Managers and field sales officers.
Monitor team performance through regular reviews and performance dashboards.
Design and implement incentive and motivation programs to maximize productivity.
Credit & Portfolio QualityCoordinate with Credit and Risk teams to ensure strong portfolio health and low NPAs.
Monitor early delinquencies and assist collections team in resolving overdue accounts.
Market Intelligence & StrategyTrack competitor activities, pricing, and market trends to recommend strategic initiatives.
Provide regular business insights and feedback to senior management.
Compliance & ReportingEnsure all operations follow company policies, RBI guidelines and regulatory norms.
Prepare and present periodic MIS and performance reports.
Key Performance Indicators (KPIs)Monthly/quarterly loan disbursement volume (₹ value & number of cases).
Number of new dealer/DSA activations per quarter.
Portfolio quality: NPA ratio and early delinquency percentage.
Collection efficiency across the state.
Team productivity: average disbursement per sales officer.
Candidate ProfileEducation: Graduate / MBA in Finance or Marketing preferred.
Experience: 8–12 years in vehicle finance (3-wheeler or commercial vehicle loans), with at least 3–4 years leading state or regional sales teams.
Strong dealer network and established relationships with multi-brand 3-wheeler dealerships in Bihar.
Proven track record of meeting aggressive sales and collection targets.
Excellent leadership, negotiation, and communication skills.
Willingness to travel extensively across Bihar.