Copilot said:

Job Purpose

The purpose of this job is to:

- Lead and deliver the Regional Business Strategy for the Unsecured Business segment by driving sustainable portfolio growth, expanding market presence, strengthening channel partnerships, and ensuring achievement of sales, profitability, and operational objectives across the region.
- Build and manage a highperforming sales organization by providing strategic direction, goverce, and capability development to Area Sales Managers and sales teams while ensuring customercentric and compliant business practices.
- Take ownership of the endtoend unsecured lending business across the region, including business sourcing, channel management, portfolio quality, risk goverce, and stakeholder collaboration, to achieve profitable growth with superior customer experience and controlled delinquency levels.

Job Context Major Challenges Organizational Context Key Aspects

- As the lending arm of Aditya Birla Capital, Aditya Birla Fice Limited (ABFL) offers diversified ficing solutions across Retail, SME, Commercial, and Corporate segments and is among the leading NBFCs in India.
- ABFL has invested significantly in technology, process excellence, risk management, and customer experience to support scalable and sustainable growth across multiple lending businesses.
- The Unsecured Business segment represents a key growth driver, offering higheryield lending products to salaried individuals, selfemployed customers,



and small businesses through direct and channelled acquisition models.
- The Regional Sales Manager plays a critical role in expanding business scale while maintaining portfolio quality, profitability, and regulatory compliance across multiple geographies.

Job Context Key Aspects

- The role is responsible for driving the overall Unsecured Business portfolio within an assigned region through effective execution of sales, distribution, risk, and operational strategies.
- The position manages multiple territories and Area Sales Managers, ensuring alignment with regional business plans, portfolio objectives, and productivity expectations.
- Sales sourcing is significantly dependent on DSA relationships, referral ecosystems, strategic partnerships, and local market penetration initiatives.
- The role requires balancing aggressive business growth with portfolio quality, delinquency control, profitability, and goverce.
- The Regional Sales Manager acts as the key interface between field teams and central functions including Credit, Risk, Operations, Product, Collections, and Marketing.
- Success requires a robust understanding of regional market dynamics, customer behavior, competitive positioning, pricing structures, and evolving lending trends.

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.

📌 Regional Sales Manager (Ludhiana)
🏢 Aditya Birla Insulators
📍 Ludhiana