Job Purpose

The purpose of this job is:

To deliver on area/ local strategy for the Business Loans segment in terms of target segments, strengthening existing relationships and setting up new channels for market penetration, and work towards achievement of sales targets and operational plans. o To proactively address customer/ DSA issues and escalate cases (e.g. fraud alerts, customer complaints or exception handling) as required for smooth operations; work on removal of bottlenecks for the achievement of targets for Business Loans segment at the area/ local level

To grow the penetration of the business by actively partnering, negotiating and building relationships with the DSA network, and directing and building the capability of SMs (if any assigned)

To take ownership for end to end BL transactions in assigned area of coverage, with efficient internal operations for superior product delivery and credit quality of current acquisitions with compliant sales operations & coordination with Risk team

Job Context & Major Challenges





The Business Loans product line caters to funding short term and medium term working capital needs of individuals, via a suite of customized short and long tenured products, without any security/ collateral.

Offering comprises Business loans to salaried individuals/ self-employed individuals/ non-individual 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) o 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

📌 Area Sales Manager (India)
🏢 Aditya Birla Capital
📍 India