Durables Jobs in Chennai

Job Title: Senior Manager Consumer Durables Location: Chennai Job Type: Full-Time | Permanent Job Purpose: To support the Consumer Durable (CD) business by monitoring key performance indicators, coordinating with field teams, managing incentives, ensuring adherence to hygiene standards, and driving automation projects. The role aims to optimize operational efficiency and help achieve business growth targets. Key Responsibilities: Track and analyze daily performance metrics for the Consumer Durables business; provide actionable insights to Product and Leadership teams. Collaborate with Field Teams to manage Field Officer (FO) mapping and ensure targets align with the Annual Operating Plan (AOP). Monitor compliance with hygiene parameters such as eKYC, eMandate registrations, and incentive disbursement processes including Field Executive Monthly Incentives (FEMI) and Semi-Annual Executive Monthly Incentives (SEMI). Lead the preparation of field team incentive calculations (maker), coordinating with HR for validation and payouts (checker). Design and implement contests and incentive programs for field teams, particularly during peak seasons like Summer and SON (September November), to drive business momentum. Work closely with the Business Intelligence (BI) team to support and contribute to the development of Tableau dashboards and automate MIS reporting. Qualifications & Experience: Graduate or Postgraduate degree in Business Administration, Finance, or related fields. Minimum 6 years of experience in Sales Operations, Business Support, or Product roles, preferably in the NBFC or Consumer Durables finance sector. Functional Competencies: Strong analytical skills with the ability to interpret and translate complex data into business insights. Excellent communication and interpersonal skills for effective cross-functional collaboration. Experience in working closely with Field Teams and managing MIS and incentive-related functions. Behavioral Competencies: Sound decision-making skills backed by analysis and sound judgment. Strong presentation and articulation abilities. High attention to detail and ability to manage multiple tasks under pressure. Qualification : Graduate or Postgraduate degree in Business Administration, Finance, or related fields

Job Title: Chief Manager Credit Department: Credit Location: Chennai Job Type: Full-Time | Permanent Reporting To: Associate Vice President Credit Job Purpose: The Chief Manager Credit will be responsible for developing, implementing, and overseeing credit policies for the Consumer Durable Loans portfolio. This role requires deep expertise in retail lending risk management, scorecard development, and digital credit decisioning, with a strong understanding of consumer behavior and the dynamics of consumer finance within banks or NBFCs. Key Responsibilities: Policy Development & Risk Management Design and manage credit policies for Consumer Durable Loans across multiple geographies and product lines. Develop rule-based and scorecard-driven underwriting frameworks aligned with market trends and risk appetite. Continuously monitor portfolio performance, delinquencies, and credit costs to ensure portfolio health and suggest timely policy changes. Business Alignment & Collaboration Work closely with OEMs, retailers, and sales finance teams to align credit strategies with business goals. Collaborate with product, technology, and analytics teams to deploy policies effectively across both digital and assisted lending journeys. Provide credit risk inputs for new product launches, business partnerships, and channel strategies. Data-Driven Credit Strategy Leverage bureau data, customer analytics, and alternative data sources to refine credit segmentation and enhance decision accuracy. Drive innovation in credit decisioning through use of digital tools, scorecards, and partner integrations. Governance & Compliance Ensure adherence to internal credit standards, regulatory norms, and audit requirements. Conduct regular reviews of credit policies to ensure relevance and effectiveness. Qualifications & Experience: Educational Qualification: Postgraduate or MBA (Finance preferred). Experience: Minimum 8 years in credit policy, with significant exposure to Consumer Durable Loans in a Bank or NBFC. Key Functional Competencies: Strong understanding of EMI schemes, zero-cost financing, and manufacturer subvention models. Experience working with fintech partners, embedded finance platforms, and POS financing networks. Skilled in credit policy formulation, risk modeling, and scorecard development. Proficient in working with credit bureau data, partner APIs, and digital credit tools. Key Behavioral Competencies: Strong analytical and problem-solving skills. Excellent communication and stakeholder management abilities. Proven track record of effective cross-functional collaboration. Technical proficiency in Excel, SQL, and analytics tools such as SAS or Python is preferred. This is a high-impact leadership opportunity in the evolving consumer lending space, where you'll shape credit strategy and risk frameworks at scale, working alongside dynamic teams and partners in a fast-growing environment. Qualification : Postgraduate or MBA (Finance preferred)