Job Summary

The purpose of this job is to plan area (city/ branch) sales and business growth with the Territory Head (Sales) and achieve set targets through the team while complying with sales processes and guidelines at all times. It takes joint approval decisions with Risk counterpart as per approval matrix, and works with Risk, Operations and Sales Goverce teams to ensure portfolio health. It works to support business profitability by addressing underperformance, adopting process improvements, capitalizing on channel optimization opportunities, etc. It intervenes as required in specific cases/ exceptions and helps address bottlenecks for the achievement of sales targets, handholding team members on complex cases. It also drives crossselling across ABFL and ABFSG products/ solutions as per regional plans and unique client requirements.

Dimensions

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- Business Workforce Number (Max 254 Characters)
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Job Context Major Challenges

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Organizational Context

Key Aspects:

- As the debt arm of Aditya Birla Capital (ABC), Aditya Birla Fice Limited (ABFL) offers specialized lending and ficing solutions in the areas of Capital Markets, Corporate/ Trade Fice, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India,



ABFL has made significant progress and the Company s balance sheet at 000 Cr plus exceeds that of several midsized Banks and NBFCs.
- The company has a welldefined vision of being one of the most reputed and material ficiers within the lending space spread across Retail HNI and corporate readership. It has made significant investments in process and system infrastructure towards preparing for the next level of growth and are one of the only fical entities certified for ISO 9001:2008 across all business processes. Spread across 18 cities, it plans on further diversifying its risk and revenue mix through expansion into new geographies and recent product segments allowing customers a onewindow shop for all their ficing needs.
- Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has ventured into Secured Micro Loan Business segment in order to effectively capitalize on its fical base with carefully managed exposures in this higher yield and profit segment.

Job Context
- The Secured Micro Loan Business segment product line caters to funding short term and medium term working capital needs of Small Businesses and individuals, via a suite of customized short and long tenured products, with collateral.
- Offerings comprise Secured Micro Loan to selfemployed individuals/ nonindividual entities, with end use of funds (Working capital requirement, business expansion etc. ) to be ascertained during the loan appraisal process.
- The business is highly retail in nature, characterized by high transaction volumes, smaller ticket sizes, and significantly higher spread and profit margins (up to four times that of Secured Lending products)
- Given the Secured Micro Loan nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.

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