Business Manager

Job Purpose

The Business Manager – F&I is a commercial, revenue-generating role within the Finance & Insurance department, responsible for maximizing penetration of finance, insurance (F&I) and value-added products (VAPs) across assigned retail showrooms. The role entails direct engagement with customers, sales teams, and F&I partners to structure compliant, competitive, and profitable deals that support the organization’s financial objectives.
This position holds full accountability for deal structuring, partner engagement, documentation integrity, and income realization — ensuring every F&I opportunity is fully capitalized.
As the front-line owner of F&I income streams, the Business Manager drives showroom profitability, enhances product attachment ratios, and sustains long-term revenue performance across the retail network. This role is considered a core pillar in driving the financial success of the F&I function.

Job Responsibilities

• Promote and upsell finance, insurance, and value-added products (VAPs) to all walk-in and digital customers across assigned showrooms, maximizing profitability per unit.
• Evaluate customer needs, eligibility, and affordability to structure competitive and compliant F&I packages that enhance conversion and value.
• Apply approved F&I offers in line with Central Bank regulations, company policies, and partner-specific guidelines, as communicated by leadership.
• Manage the complete deal lifecycle — from lead handover to final invoice — including finance application, documentation accuracy, and mortgage uploads.
• Engage proactively with assigned bank and insurance partners to ensure timely file submission, follow-ups, and case approvals.
• Deliver showroom-level F&I income targets (monthly and annual), ensuring income per unit (IPU), penetration ratios, and conversion KPIs are met or exceeded.
• Track and report performance metrics including finance penetration, VAP attachment, approval ratios, and deal turnaround times to the line manager ang relevant stakeholders.
• Collaborate closely with Showroom Managers and Sales Executives to drive unit sales and ensure F&I product integration across every transaction, including timely follow-ups and pitch support.
• Participate actively in closing retail sales by advising customers on financing options and overcoming affordability objections, contributing directly to unit target achievement.
• Conduct daily huddles with Sales Managers and Executives to review showroom pipeline, F&I status, and identify immediate actions to improve performance.
• Train and mentor Sales Executives on product knowledge, objection handling, and value-based selling techniques to increase F&I product attachment.
• Identify underperforming products or execution gaps and propose tactical solutions to enhance showroom-level F&I performance.
• Leverage ongoing market intelligence to stay ahead on bank programs, insurance offerings, customer preferences, and competitor trends.
• Liaise with the F&I Specialist to ensure backend readiness, including second-set documentation, deal tracker accuracy, and seamless file flow from front-end to disbursement.

Job Requirements

Qualifications

• Bachelor’s degree in Business Management (or equivalent).

Experience

• 3–5 years of proven experience in automotive Finance & Insurance, Banking Sales (auto loans/insurance), or equivalent commercial functions.
• Experience with multi-brand dealerships, structured targets, and high-volume environments is preferred.

Knowledge & Skills

• F&I product expertise (finance, insurance, GAP, VAPs)
• Regulatory compliance (CBUAE, AML/KYC)
• Strong understanding of finance processes and deal documentation
• Negotiation skills
• Interpersonal and communication skills
• Time-bound sales closing under pressure
• Proficiency in Autoline or any DMS
• Analytical mindset for KPI tracking and reporting.