Job Details

- Business: Aditya Birla Capital Limited

- Unit: Aditya Birla Housing Fice Limited

- Position Title: Sales Manager(SM)

- Reports to: Area Sales Manager(ASM)

- Function: Sales

- Department: Housing Fice

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 Goverce teams to ensure compliant and efficient sales operations and portfolio health. It also drives and executes crossselling of ABHFL and ABFC products/ solutions as per branch level objectives.

Dimensions

Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter

Job Context

Organizational Context

Key Aspects

- Part of the Aditya Birla Capital Limited, Aditya Birla Housing Fice Limited (ABHFL) is registered with the National Housing Bank as a housing fice company under the National Housing Bank Act, 1987. The company offers a complete range of housing fice solutions such as home loans, home improvement and home construction loans, balance transfer and topup loans, loans against property and construction fice. The company acquired its license on 9 th July 2014 and has aggressive growth plans.

- ABHFL has grown at a steady rate while reporting good asset quality despite challenges in the operating setting. While the industry is dominated by five large groups, there has been an emergence of segments like Affordable and selfemployed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market. and is poised for rapid growth and plans to grow 5X (40, 000 Cr) in the next 5 years.

This shall take ABHFL within the top 5 percentile of HFCs in the country.





- The ABHFL Sales organization works broadly with 3 customer segments retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tieups and construction fice), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Selfemployed, with both of these having very different preferences and needs.

Job Context

- Providing housing fice (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Fice (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predomitly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.

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

- Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients
- For retail customers, identifying and acting on relevant needs for target demographics/ customer segments/ etc. , in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability.

- For institutional/ builder customers, understanding and addressing complex business requirements via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage.

Disclaimer: This has been sourced from a public domain and may have been modified by Naukri.com to improve clarity for our users. We encourage job seekers to verify all details directly with the employer via their official channels before applying.

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