Job Purpose

The purpose of this job is to execute sales operations through the DSA channel in line with branch plan and objectives by interfacing with DSA partners and end customers to achieve targets. This role coordinates with Risk, Operations and Sales Governance teams to ensure compliant and productive sales operations and portfolio health. It also drives and executes cross-selling of ABHFL and ABFC products/ solutions as per branch level objectives.

Job Context & Major Challenges

Organizational Context

As the debt arm of Aditya Birla Capital (ABC), Aditya Birla Money Insurance Advisor Services Ltd offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate, Mortgages, Unsecured Lending, Digital Lending & Wealth management. Currently ranked within the top 5 NBFCs of India, we have made significant progress and our balance sheet would be at INR 60,000 Cr plus by 2020 and would exceed that of several mid-sized Banks and NBFCs.

Job Context

Key Aspects





The Personal Loan 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, without any security/ collateral.

Offering comprises personal loans to salaried individuals/ self-employed individuals/ non-individual entities, with end use of funds (Medical emergency, Marriage 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 unsecured nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times

While unit of sizing up the business is its loan book size, profitability and minimized delinquency are key business objectives.

High

📌 Sales Manager- DST (India)
🏢 Aditya Birla Capital
📍 India