Job Summary

Responsible for building the book size for own area of coverage and developing the Secured segment with a robust, balanced portfolio in line with assigned targets; to devise & execute operational tactics for effective DSA engagement, market share enhancement and achievement of business objectives; to work closely with Regional Sales Managers and operationalize end to end Secured lending transactions with superior product delivery while ensuring credit quality of current acquisitions

Organization Context

Aditya Birla Fice Limited ("ABFL") is a lending subsidiary of Aditya Birla Capital Limited. ABFL is registered with RBI as a Systematically Significant NonDeposit accepting NBFC. ABFL is one of the top private diversified NBFCs in India. As of 31Dec 20, ABFL has a panIndia presence with 91 branches and a lending book of 560 Crores.

Business Context

The strategy is to grow ABFL aggressively in the retail space, through scaleup of existing lines of business while realizing new business development opportunities. There is also an increased focus on using digital ecosystems as a competitive advantage.



The business is characterized by high transaction volumes and smaller ticket sizes. Given nature of customers, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times. Cost of funding and competitiveness of loan rates are important drivers of profitability in this space.

Key Challenges
To ensure a zonal strategy that is differentiated and cutting-edge, considering regional factors and consumer preferences, and that can withstand competitive pressures, especially given ABFL s late entry into Secured lending
To build and grow the business and to ensure loan conversion/ sanction/ utilization percentages are high and an appropriate sourcing funnel is built to meet targets

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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