Job Context

SME caters to the varied needs of a diverse set of customers across retail, HNI, ultra HNI, Micro,Small & Medium enterprises.
It encompasses a wide variety of financing solutions for clients, ranging Loan against property, to more complex Lease Rental discounting, Commercial Purchase and Construction Finance lending. Financing solutions are provided to Self-Employed [professionals/ non-professionals] against a wide array of lending programs, each of which aims to estimate the client’s repayment capability accurately before the company to take an exposure.
The lending program requires assessing clients on various dimensions, including income, repayment behavior, stability of income/ residence, profile, collateral [valuation, marketability], ownership structure of business and the property and many others.
Loan approvals entail a good mix of profile checks, balance sheet lending and collateral assessment. An in-depth understanding of the customer’s business model, Cash flows, customers & suppliers, success factors and dependencies needs to be considered.





Key Responsibilities

Deliver Sales growth at the location and expand the customer base
Identify business growth opportunities across the location, build direct/ channel/ recent client acquisition strategies and tap growth opportunities to achieve area-wise targets
Augment the business volumes of SME lending in the location, manage client databases and tap them through Relationship Managers
Drive relationships with key clients, faster TAT and cross selling initiatives in order to increase the client base of the locations/area
Monitor lead generation & RM sales productivity metrics to drive a high-performance sales culture across the area
Analyze product positioning and competition across the locations and develop the distribution network
Scan the location market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the SME segment to the head office
Enga

📌 Area Sales Head-SME-Jaipur (India)
🏢 Aditya Birla Capital
📍 India