National Head -Machinery Finance

Jana Small Finance Bank; Bengaluru; On-site; INR 2,500,000 - 5,000,000; Full time

Job summary

Jana Small Finance Bank is seeking a senior leader to drive national strategy for Machinery Finance and Medical Equipment Finance. You will own the P&L, set growth targets, and build a high-performing sales organization across regions.

Responsibilities include partnerships with OEMs and dealers, market expansion, risk-managed growth, and cross-functional leadership to implement digitized onboarding and loan processing.

Qualifications

• 15-20 years of banking or NBFC experience.
• 8-10 years in leadership for machinery/equipment finance.
• Strong relationships with manufacturers, OEMs, and dealers.
• Experience leading geographically dispersed sales teams.

Responsibilities

• Develop and execute national strategy for Machinery Finance & Medical Equipment Finance.
• Own the business P&L including disbursements, AUM growth, profitability, yields and fee income.
• Define annual business plans, sales budgets, and growth strategies.

Skills

Leadership

Strategic Planning

Sales Management

Partnership Development

Portfolio Management

Risk Management

Cross-functional Leadership

People Management

Market Intelligence

Job description

Role & responsibilities

1. Business Strategy & P&L Management

• Develop and execute the national strategy for Machinery Finance & Medical Equipment Finance.
• Own the business P&L, including disbursements, AUM growth, profitability, yields, and fee income.
• Define annual business plans, sales budgets, and growth strategies.
• Identify new industry segments, geographies, and growth opportunities.

2. Sales Leadership

• Build, lead, and mentor a high-performing national sales team comprising Regional Managers and Relationship Managers.
• Establish performance metrics and drive sales productivity.
• Monitor business pipelines, conversion ratios, and portfolio performance.
• Conduct regular business reviews and implement corrective actions.

3. Partnership with OEM & Dealer Network

• Develop strategic partnerships with leading machinery manufacturers, OEMs, and authorized dealer networks.
• Negotiate commercial arrangements and program structures with OEMs.
• Expand the dealer ecosystem across targeted markets.
• Conduct periodic business reviews with key OEM partners.

4. Business Development

• Drive customer acquisition across MSME, SME, and Commercial Banking segments.
• Develop sourcing channels through OEMs, dealers, direct sales, and strategic alliances.
• Increase market penetration in identified industry clusters.

5. Portfolio & Risk Management

• Ensure balanced growth while maintaining asset quality.
• Monitor portfolio performance, delinquency trends, and early warning indicators.
• Work closely with Credit and Collections to manage portfolio quality.
• Drive portfolio diversification across industries, regions, and equipment categories.

6. Product & Process Development

• Collaborate with Product Management to enhance Machinery Finance offerings.
• Recommend changes in pricing, credit policies, and product features based on market feedback.
• Drive digitization and automation of customer onboarding and loan processing.
• Support implementation of LOS enhancements and technology integrations.

7. Cross-functional Leadership

• Partner with Credit, Operations, Risk, Legal, Compliance, Technology, Marketing, and Finance to ensure seamless business execution.
• Resolve operational bottlenecks and improve turnaround times.
• Ensure compliance with internal policies and regulatory requirements.

8. Market Intelligence

• Monitor industry trends, competitive offerings, pricing, and customer needs.
• Identify emerging machinery segments and financing opportunities.
• Provide strategic inputs for business expansion and new product development.

9. People Management

• Recruit, coach, and retain high-performing sales professionals.
• Develop capability-building initiatives and structured training programs.
• Foster a performance-driven and customer-centric sales culture.

Experience

• 15-20 years of experience in Banking or NBFCs.
• Minimum 8-10 years of leadership experience in Machinery Finance, Equipment Finance, Medical Equipment - Proven experience in building and scaling a national business.
• Strong relationships with machinery manufacturers, OEMs, and dealer ecosystems.
• Experience in leading geographically dispersed sales teams.