Job Purpose:
The purpose of this job is:
- To set business objectives for the branch & geographic region covered by the branch in line with the mortgage business unit objectives of book size, profitability, MIS & portfolio management, team building etc.
- To own the P&L; for the branch in terms of % contribution, NII, campaign/ marketing activity spends, fees, direct sourcing, distribution payments and risk- return parameters
- To devise business strategy for area wise achievement of business objectives in terms of product mix [LAP/ LRD/ HL] and channel/distribution mix.
- To ensure end to end management of sales operations transactions by driving superior product delivery and enhancing financial knowledge of RMs/ SRMs
- To monitor and control credit quality of recent acquisitions by driving strong due diligence mechanisms and emphasizing post sanction surveillance through strong customer/ distributor relationship management
- To hire, develop, motivate and retain RMs/ SRMs and support them in conversion of complex cases, distributor rate negotiations etc





To act as a point of escalation for early warning signals for potential NPAs and probable fraudulent cases

Job Context & Major Challenges:
As the debt arm of Aditya Birla Financial Services Group (ABFSG), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, we have made significant progress and our balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs.
A well established brand and top 3 player in the Capital Markets space, today our product suite comprises of a well-diversified look, with equal weightage and focus given to the 3 lines of business. Having seen a y.o.y cumulative growth of 50% in both top-line and bottom line, sustainable profitability continues to be the key management agenda.
The company ha

📌 Area Sales Head (Chandigarh)
🏢 Financial services
📍 Chandigarh