Job PurposeJob Purpose DescriptionJob Context & Major ChallengesJob ContextKey Aspects:oProviding housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly 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.OWhile unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.OHigher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clientsoFor 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.OFor 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 in this segment.OThe AH (Sales) – ABHFL is responsible for achieving sales targets as agreed with the RH (Sales) – ABHFL, in terms of targeted book size, profitability,



growth & customer service objectives.Key ChallengesoTo create a sales operating plan with the team, considering local factors impacting business, such as competitor presence, existing relationships, new prospect opportunities, etc., aimed at achieving sales targetsoTo grow market share as a current brand against established competition, overcoming competitive pressures to create book of desired size for the branch/ cityoTo constantly upgrade financial & operational know how of self and team members on industry dynamics, effective negotiation and relationship building, and efficient loan processing for maintaining lasting relationships with customers while ensuring portfolio health and profitabilityoTo ensure loan conversion/ sanction/ utilization percentages are high and an appropriate sourcing funnel is built to meet targetsoTo ensure credit quality and effective portfolio selection/ pre screening thereby minimizing potential NPAsoTo ensure compliant sales operations at all times, despite sales pressures and market cyclesEnabling Skill Sets & QualificationsoCritical skill sets required to meet these challenges include business and commercial acumen, team management and communication, execution skills, product-market understanding, and operations integration & controlling skills.Education & experience required to fulfil this profile are a postgraduate with minimum 6 - 8 yrs of total sales experience in the Banking/ NBFC space, of which at least recent 3 - 4 yrs experience should be in HFC salesKey Result AreasKRA (Accountabilities) (Max 1325 Characters)Supporting Actions (Max 1325 Characters)KRA1

📌 Area Sales Executive (Visakhapatnam)
🏢 Birla Carbon Italy
📍 Visakhapatnam