Zonal Retail Finance Manager - Zone 3

Responsibilities & Key Deliverables

• As the Zonal Retail Finance Manager for Zone 3 in Mahindra & Mahindra Ltd's Farm Division, you will be instrumental in shaping and executing tailored financing strategies that align closely with both dealer requirements and corporate sales targets. Your responsibility will include leveraging diverse finance partners effectively, optimizing dealer-wise financier shares to reflect and reinforce Mahindra's market presence across the state.
• You will establish and maintain a robust system for tracking advances through various financiers, with a focus on key dealers exhibiting high retail cycles, ensuring prompt responsiveness to market dynamics. Detailed dealer-wise financial availability mapping will be essential to identify gaps and opportunities within dealership territories.
• Training will be a core component of your role; you will educate dealer staff on the latest retail financing trends, funding criteria, and compliance expectations to enhance their capability in facilitating smooth financing transactions at the point of sale.
• Using comprehensive financial analyses—including working capital evaluations aligned with a 90-day sales plan and F15 dealer sales data—you will recommend and implement customized financial solutions to improve dealer liquidity and operational efficiency. This includes critical assessment of current credit limits, margin money requirements, internal capital availability, and exploring innovative channel finance options such as CF, TA, and CC limits to tailor the best financial packages.
• Planning and executing at least three monthly financial engagement events in partnership with MMFSL and other financial institutions will be part of your responsibilities, helping to deepen relationships and encourage active dealership participation. Identifying strategic dealer locations requiring focused financial interventions for successful event rollout will be vital.
• Inquiries and financing requests will require your dedicated oversight to ensure swift processing by leveraging the efficiency of NBFCs and private banks. You will manage document compliance matters meticulously and negotiate flexible financing schemes with financiers, aiming for expedited approval processes.
• Your role includes proactively addressing queries from dealers and financiers related to advances, troubleshooting challenges, and fostering transparent communications. Keeping abreast of competitive retail financing products and strategies will enable you to refine dealer finance offerings continuously.
• Ultimately, your contributions will enhance the financial health and sustainability of the dealer network, reinforcing Mahindra’s foothold and supporting sustained growth within the agricultural machinery market.

Preferred Industries

Education Qualification

• The preferred educational background for this role is an advanced degree such as an MBA, ideally with a specialization in Finance or Marketing, which provides a solid foundation in financial management principles and marketing strategies tailored to dealer finance contexts.
• Applicants with relevant undergraduate degrees combined with significant experience and professional finance certifications (e.g., CFA, CFP) will also be considered. A strong academic record that demonstrates proficiency in core business disciplines, quantitative analysis, and strategic decision-making is essential.
• Supplementary coursework or certifications in financial planning, working capital management, compliance, and dealer finance practices are advantageous, reflecting a commitment to ongoing professional growth and industry best practices.
• The successful candidate should demonstrate intellectual curiosity, adaptability to rapidly changing financial environments, and the ability to translate academic knowledge into pragmatic financial solutions that drive dealer success and business performance.

General Experience

This position demands a seasoned professional with between 6 and 11 years of substantial experience in finance, sales, or dealer management, preferably within the automotive or farm equipment sectors.

Proven expertise is required in managing complex dealer financing operations, fostering effective relationships with financial institutions, NBFCs, and dealer networks to implement financing programs supporting sales growth and operational excellence.

Applicants should have demonstrated experience in conducting formal training programs targeting dealer staff to enhance financing competencies, managing multi-channel finance initiatives, and successfully organizing events that drive dealership engagement and sales activation.

Strong capabilities in compliance oversight, document processing, and problem-solving within dealer-financier interactions are critical.

Experience in analyzing sales and financial data for effective working capital forecasting, coupled with proficiency in utilizing financial analytics tools to inform strategic decisions, is essential for success.

Critical Experience

Essential expertise for this role includes deep knowledge of channel finance systems, advanced working capital management, and nuanced understanding of retail cycle patterns impacting dealership operations.

Candidates must be adept at analyzing detailed dealer sales metrics to design and negotiate bespoke financial solutions that minimize approval turnaround times and optimize capital deployment.

Proficiency in managing stringent document compliance processes per financier requirements and strategizing optimal margin money structures is critical.

Experience in planning and executing dealer engagement initiatives in partnership with internal teams and external financial partners will significantly contribute to performance goals.

The ability to tailor financing schemes to accommodate the diverse cash flow profiles of multiple dealer locations will be necessary for maximizing operational effectiveness.

Exceptional stakeholder management skills are required, including leading dealer training programs, liaising effectively with financiers, and collaborating cross-functionally within the organization to uphold Mahindra & Mahindra Ltd’s high standards of service and sustainable growth.

System Generated Core Skills

System Generated Secondary Skills