1) Sales Execution & Market Expansion

• Lead the execution of sales initiatives and collaborate closely with the Marketing, Risk Management, and Credit Analysis teams to achieve loan origination targets through the dealer network.
• Develop and implement proactive market penetration strategies for the used motorcycle financing business by expanding partnerships with new dealers in high-potential markets while strengthening relationships and increasing business volume with existing dealer partners.
• Monitor and oversee on-ground sales execution across all regions to ensure effective implementation of sales campaigns and dealer engagement activities.

2) Process Improvement & Operational Efficiency

• Improve Turnaround Time (TAT) and Service Level Agreement (SLA): Analyze and optimize end-to-end loan processing workflows to reduce approval and disbursement turnaround time for used motorcycle and refinance loans, enhancing market competitiveness.
• Appraisal Process Optimization: Establish standardized vehicle inspection and appraisal processes to improve pricing accuracy, reduce duplication, and enhance operational efficiency.
• Process Design & Continuous Improvement: Streamline collaboration among Sales, Credit Underwriting, Operations, and Dealer partners by implementing lean processes that minimize documentation errors and accelerate loan processing.

3) Risk Management & Portfolio Quality Control

• Partner with Credit and Risk Management teams to review and enhance credit policies, including Loan-to-Value (LTV) guidelines, ensuring they appropriately reflect the risk profile of used motorcycles and refinance lending.
• Monitor dealer portfolio performance by analyzing delinquency trends and closely tracking overdue accounts and Non-Performing Loans (NPL), particularly within the used motorcycle segment.
• Develop and recommend risk mitigation measures and collaborate in designing dealer performance and monitoring programs (e.g., MVD) based on portfolio quality.

4) Data Analytics & Sales Team Management

• Analyze quantitative data, including approval/rejection rates and customer behavior, to generate actionable insights that improve sales productivity, customer acquisition, and credit quality.
• Develop manpower plans by allocating sales resources based on market size, business potential, and dealer coverage to maximize productivity.
• Build sales team capabilities through training and coaching in areas such as used motorcycle appraisal, fraud detection, negotiation skills, and consultative selling techniques.

5) Project Management & Cross-functional Initiatives

• Lead or participate in strategic projects, including Digital Lending initiatives and cross-functional sales development programs to improve customer experience and business efficiency.
• Perform other duties and special assignments as required to support business operations, resolve field-related issues, and respond to evolving company strategies and policies.

Qualifications

• Bachelor's or Master's degree in Business Administration, Finance, Economics, Marketing, or related field.
• years of experience in Sales Strategy, Business Development, Commercial Planning, Financial Services, Banking, Auto Finance, or Automotive Industry.
• Experience in leading strategic projects and performance management initiatives.
• Proven track record in driving revenue growth and sales optimization.