State Manager (Sales & Collection) (Only for related experience)

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. It is promoted by Atul Auto Limited, a public listed company, and Dr. Vijay Kedia of Kedia Securities, reflecting strong backing and industry expertise. KAFL focuses on providing tailored finance solutions for the automobile sector, supporting customers and partners across diverse markets. The company is rated A+ with a Stable Outlook by CARE Ratings, underscoring its financial strength and reliability. KAFL offers a professional work environment with growth opportunities for individuals looking to build a career in financial services and asset-based lending. Role Description The State Manager (Sales & Collection) will oversee and drive sales and collection operations within the assigned state, ensuring achievement of business targets and adherence to company policies. This is a full-time, on-site role based in Bhubaneswar, involving regular coordination with branch teams, dealers, and partners. Daily responsibilities include planning and monitoring sales strategies, reviewing portfolio performance, supervising collection activities, and ensuring timely recovery of dues while maintaining strong customer relationships. The role requires close collaboration with internal stakeholders for credit approvals, documentation, and compliance, as well as preparation of periodic performance reports and market insights. The State Manager will also be responsible for coaching and managing the field team, optimizing processes, and supporting sustainable portfolio growth with controlled risk. Qualifications Proven experience in sales and collection management within NBFCs, banks, or asset finance companies, preferably in the auto finance segment. Strong skills in team leadership, field force supervision, and performance monitoring, with the ability to drive targets and motivate staff. Solid understanding of credit, risk assessment, and collection processes, including legal and regulatory aspects related to recovery. Ability to build and maintain relationships with dealers, distributors, and key partners, and to resolve issues promptly and professionally. Competence in data analysis, reporting, and use of MS Office or similar tools to track performance and support decision-making. Excellent communication, negotiation, and problem-solving abilities, with a customer-centric and ethical approach. Minimum graduate degree in Business, Finance, Commerce, or a related field; an MBA or equivalent qualification is an advantage. Prior state-level or multi-location responsibility and willingness to travel extensively within the state as required. .