TVS Credit - Product Manager - Used Construction Equipment Finance (8-12 yrs)

Job Purpose:

This role is responsible for designing & implementing strategies, tracking at field level through various channels with a view to acquiring Used Construction Equipment Finance Customers. Also, to ensure achievement of profitability targets through revenue maximization and prudent cost management

Key Responsibilities:

- Product & policy development: Design financing schemes based on asset type, age & usage condition; Refine the same on a continuous basis

- Channel Management: Building DSA/Referral & other sourcing channels, Payout tracking etc

- Pricing & Valuation: Developing valuation methods and pricing logic based on market feedback/checks.

- Technology & MIS: Build dashboards to monitor key KPIs such as TAT, yield, bounce rate, NPA, productivity, etc; Leverage technology to drive innovative and cost-effective operating models and deliver superior customer experience

- Operational process control: Develop documentation SOPs including RTO transfer, lead generation to disbursement and lien marking

- Compliance & Audit: Ensuring documentation, valuation and sourcing practices comply with RBI & internal norms

- Work with teams like Customer Service, call center, operations etc, to improve our customer retention, identify avenues for cross-selling/up-selling at product level

- Developing new processes / streamlining existing processes for building efficiencies / customer experience

- Oversee marketing efforts to ensure adequate visibility and positive perception among customers, also ensure strong market presence & customer engagement

Job Requirements:

- Graduate / Postgraduate

- 8+ Years in managing Dealers, Channels, Distribution Networks and Key accounts

- Deep Construction Equipment Market Knowledge: Strong understanding of construction equipment market trends, asset usage lifecycle, and resale valuations. (Majorly Used Construction Equipment)

- Cross-functional Leadership: Ability to lead and collaborate across credit, operations, legal, sales, and technology teams.

- Data Analytics Proficiency: Ability to analyze data to influence pricing strategies and drive process improvements.

- Channel Engagement: Experience in onboarding and managing multiple asset recovery and resale partners/channels.

- Decision-Making & Problem Solving: Quick, data-driven decision-making skills in a high-paced environment.

- Relationship Management: Strong interpersonal skills to manage internal teams, customers, and partners effectively.

- Strategic and analytical thinking

- Strong communication and interpersonal skills

- Problem solving and decision-making skills

- Strong networking and People Management skills