Job Details

- Business: Ficial Services
- Unit: Aditya Birla Fice Ltd.
- Location: Mumbai
- Reports to: Poornata Position Number
- Position Title (30 characters max): ASM Business Loans
- Reports to (Title): NSM Business Loans Mumbai
- Function: Sales Marketing
- Department: Personal Loans Business Loan
- Designation (Employee): Area Sales Manager BL
- Designation (Manager): Regional Sales Manager BL
- Date of writing/updation of JD:

Job Summary

Responsible for building the book size for own area of coverage and developing the Unsecured segment with a robust, balanced portfolio in line with assigned targets; to devise execute operational tactics for effective DSA engagement, market share enhancement and achievement of business objectives; to work closely with Zonal Head and operationalize end to end Unsecured lending transactions with superior product delivery while ensuring credit quality of new acquisitions

Dimensions

Figures in Rupees Crores

- Disbursements: BL 50; PL 40; STUL 25
- Avg. ROI: BL 19.00%; PL 16.00%; STUL 23.50%
- Fee Income: BL 2.00%; PL 1.75%; STUL 2.75%
- Cross Sell: BL 1.00%; PL 1.00%; STUL 1.00%
- 12 MOB Front End Resolutions: BL 95.00%; PL 95.50%; STUL 95.00%

Job Context Major Challenges

Organization Context

Aditya Birla Fice Limited ("ABFL") is a lending subsidiary of Aditya Birla Capital Limited. ABFL is registered with RBI as a Systematically Significant NonDeposit accepting NonBanking Fice Company (NBFC). ABFL is one of the top private diversified NBFCs in India.



As of 31Dec 20, ABFL has a panIndia presence with 91 branches and a lending book of 560 Crores.

ABFL offers endtoend lending solutions to a diverse set of customers Retail, HNI, MSMEs, and Mid Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Fice (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Fice, Mid and Large Corporate Loans, and Infrastructure Fice loans. ABFL also has a Wealth Management division.

ABFL is rated AAA by India Ratings, ICRA and CARE (reaffirmed in 2020). ABFL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

Business Context

The strategy is to grow ABFL aggressively in the retail space, through scaleup of existing lines of business while realizing new business development opportunities. There is also an increased focus on using digital ecosystems as a competitive advantage. The business is characterized by high transaction volumes and smaller ticket sizes. Given nature of customers, the business also entails stringent

📌 Area Sales Manager - Unsecured Self-Employed BL (Maharashtra)
🏢 Aditya Birla Insulators
📍 Maharashtra