State Manager at Khushbu Auto Finance Limited (KAFL)

Job Description

Job Description – State Head / State Manager

Location: Bhubaneswar, Odisha

Position : State Head / State Manager

Job Summary

The State Head / State Manager will be responsible for managing the overall business operations across Odisha. The role involves driving business growth, strengthening branch performance, managing sales and collections, ensuring portfolio quality, developing high-performing teams, and maintaining compliance with company policies.

Key Responsibilities

Drive business growth and achieve state-level disbursement targets.

Develop and implement business strategies to increase market share.

Manage and monitor branch operations across the state.

Ensure healthy portfolio quality by controlling delinquency and NPA.

Lead, mentor, and motivate Branch Managers and field teams.

Monitor collection efficiency and implement recovery strategies.

Identify new business opportunities and expand the branch network.

Build strong relationships with dealers, channel partners, and key stakeholders.

Ensure compliance with RBI guidelines and company policies.

Analyse business MIS, prepare performance reports, and present business reviews.

Monitor profitability and optimize operational efficiency.

Recruit, train, and develop employees to build a high-performing team.

Coordinate with Credit, Legal, HR, Operations, and Finance departments for smooth business execution.

Eligibility Criteria

Education Graduate in any discipline (MBA preferred).

Experience Minimum 6–10 years of experience in NBFC, Banking, or Vehicle Finance.

Minimum 3 years of experience in a leadership role managing multiple branches.

Experience in three-wheeler or commercial vehicle finance will be highly preferred.

Required Skills

Strong leadership and people management skills.

Excellent business development and relationship management abilities.

Strong knowledge of vehicle finance operations.

Portfolio and collection management expertise.

Financial analysis and MIS reporting.

Excellent negotiation and decision-making skills.

Strategic planning and execution.

Strong communication and presentation skills.

Proficiency in Microsoft Excel and reporting tools.

Ability to travel extensively across Odisha.

Key Performance Indicators (KPIs)

Business disbursement achievement

Portfolio quality and NPA control

Collection efficiency

Branch profitability

Dealer network expansion

Team productivity and retention

Customer satisfaction

Compliance adherence

Compensation & Benefits

Attractive salary with performance incentives.

PF & ESIC (as applicable) included in CTC.

Gratuity as per statutory norms.

Group Personal Accident Insurance.

Group Medical Insurance (Coverage up to ₹1.25 Lakhs).

35 paid leaves annually after completion of one year of service.

Career growth opportunities in a fast-growing NBFC.

Preferred Candidate Profile

Proven track record of achieving business targets.

Strong understanding of the Odisha market.

Experience in managing geographically dispersed teams.

Excellent problem-solving and analytical abilities.

Willingness to travel extensively.

Immediate joiners will be preferred.

Skills

About Khushbu Auto Finance Limited (KAFL)

Khushbu Auto Finance Limited (KAFL) is a Non-Banking Financial Company (NBFC) specializing in vehicle finance, particularly for three-wheelers. Incorporated in 1994, KAFL is a wholly owned subsidiary of Atul Auto Limited (AAL), a leading three-wheeler manufacturer. Registered with the Reserve Bank of India (RBI), KAFL has a network of 100+ branches across 14 states and is committed to delivering reliable and customer-centric financial solutions.

Location

Rajkot, Gujarat, India

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