Trade Advance - Manager (TW Loan)
Home Credit India
Gurugram, Haryana, India
Role Purpose
Own and drive the end-to-end Trade Advance product for the two-wheeler dealer ecosystem, including product strategy, program management, technology enablement, sales growth, portfolio performance, and profitability.
Key Responsibilities
Product Management
- Own the Trade Advance product roadmap, policies, pricing, and dealer propositions.
- Design and launch dealer funding, inventory financing, and working capital programs.
- Continuously enhance product features, dealer journeys, and operational processes.Program Management
- Develop and manage OEM and dealer financing programs.
- Track program utilization, profitability, and portfolio performance.
- Coordinate with Credit, Risk, Operations, and Technology teams for successful implementation.Technology & Digital Enablement
- Act as business owner for LOS, LMS, dealer portal, and digital onboarding enhancements.
- Drive automation, API integrations, workflow digitization, and STP initiatives.
- Prepare business requirements, user stories, and UAT sign-offs for product releases.Sales Drive & Business Growth
- Partner with sales teams to drive dealer acquisition, activation, and limit utilization.
- Execute sales campaigns and dealer engagement programs to accelerate portfolio growth.
- Track funnel metrics, disbursements, utilization, and business productivity.
- Support regional teams through product training, program communication, and market insights.Portfolio & Risk Management
- Monitor portfolio growth, profitability, utilization, and asset quality.
- Recommend policy and program changes based on portfolio performance.
- Ensure adherence to risk, compliance, and governance standards.Analytics & Stakeholder Management
- Develop MIS and dashboards to track key business KPIs.
- Work closely with Sales, Credit, Risk, Technology, Operations, Finance, and OEM partners.
- Present portfolio performance and strategic initiatives to senior management.Key KPIs
- Trade Advance AUM Growth
- Disbursements
- Active Dealers
- Dealer Activation Rate
- Limit Utilization %
- Revenue & Profitability
- OEM Program Penetration
- STP %
- TAT Reduction
- Portfolio Quality & DelinquencyExperience & Qualification
- MBA/PGDM preferred.
- 3–5 years of experience in Dealer Finance, Trade Finance, Vehicle Finance, or Lending Products.
- Strong experience in Product Management, Program Management, and Sales Enablement.
- Good understanding of lending technology platforms, dealer ecosystems, and portfolio analytics.Key Skills
- Trade Advance & Dealer Finance
- Product Management
- Program Management
- Sales Growth & Portfolio Expansion
- Digital Lending & Automation
- Analytics & MIS
- Stakeholder Management
- Credit & Risk Understanding