Job Summary

Portfolio Relationship Manager / Senior Portfolio Relationship Manager

Enriching Lives Winning as ONE

Role Details

Business Aditya Birla Capital

Location Mumbai

Role Portfolio Relationship Manager / Senior Portfolio Relationship Manager

Department MidMarket & Supply Chain

Eligibility Criteria

Masters in Fice or equivalent; 57 Years of Relevant Experience

Required Skills & Competencies

- The Mid Market and Supply Chain function is responsible for ficing the shortterm, mediumterm, and longterm working capital and supply chain needs of SMEs through a suite of customized products with varied tenures.
- The key business metrics for success include loan book size, profitability, and a zerotolerance approach to delinquency.
- A strong understanding of business fice, loan structuring techniques, and credit administration is essential to building credibility with customers and gaining a competitive edge.
- Deep knowledge of local market dynamicsincluding specific occupations/trades, industries, and local ficial and investment preferencesis critical for structuring loans effectively and identifying new business opportunities.
- Expand market share in targeted locations and outpace competition.
- Continuously upgrade ficial acumen, including knowledge of loan structuring methods and business ficials, to build trust and credibility with customers.
- Stay informed about recent market trends and evolving local market preferences to align with customer needs.
- Ensure robust credit quality by conducting effective portfolio selection and prescreening to minimize the risk of nonperforming assets (NPAs).
- Safeguard ficed amounts by conducting postsanction surveillance, maintaining strong client relationships, and monitoring collateral to ensure the complete safety of the ficing.

Key Responsibilities





- 1. Sales Growth: Drive pipeline funnel to achieve book size and market share.
- Sales Growth: Monitor local market trends and competitive offerings, identifying opportunities for business expansion in the region.
- Sales Growth: Ensure minimal client attrition through strong client engagement activities, and also generate NTB business through client referrals.
- Sales Growth: Regularly engage with referral partners, chartered accountants, and brokers/agents to source new business.
- Sales Growth: Raise escalation on delinquent cases/potential NPAs and closely monitor these through the team for collection dues.
- Sales Growth: Track key accounts in the portfolio for business health and early warning signs of NPAs.
- 2. Client Acquisition & Relationship Management: Acquisition of new clients by identifying potential leads and conversion strategies.
- Client Acquisition & Relationship Management: Increase area business volume through strong crossselling initiatives and innovative product offerings.
- Client Acquisition & Relationship Management: Cultivate deeper customer relationships by ensuring faster turnaround times (TATs) in collaboration with Credit Analysts.
- Client Acquisition & Relationship Management: Utilize technology to improve operational efficiencies and responsiveness in customer service, ensuring retention of existing customers.
- Client Acquisition & Relationship Management:



Cater to client service requests and liaison with internal teams for timely resolution.
- 3. Disbursal Timely Loan Disbursement with Proper Documentation: Coordinating with internal stakeholders to process loan applications.
- Disbursal Timely Loan Disbursement with Proper Documentation: Responding to queries from internal teams to ensure timely and accurate disbursal.
- Disbursal Timely Loan Disbursement with Proper Documentation: Completing transactions with customers with the appropriate documentation.
- 4. Market Intelligence: Gather market intelligence on competitive strategies, policies, and processes regularly.
- Market Intelligence: Share the collected market intelligence with the Area Sales Manager to adjust business tactics accordingly.
- 5. Portfolio Quality & Profitability: Track overdue accounts daily for the business and ensure timely collections.
- Portfolio Quality & Profitability: Intervene to ensure collection on initial overdue accounts in a timely manner.
- Portfolio Quality & Profitability: Ensure profitability by applying appropriate pricing strategies and processing fees.
- Portfolio Quality & Profitability: Implement cost management initiatives on a timely and accurate basis.
- 6. Organization Process Efficiency: Adhere to all processes for both pre and postsourcing activities.
- Organization Process Efficiency: Provide input to the Area Sales Manager for the Sales MIS to improve reporting and operational performance.

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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