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Area Sales Manager - Retail - Unsecured BL - Indore

Aditya Birla Group -
Madhya Pradesh

Apply Now

Job details

Qualifications

Sales

Full job description

Designation:

Location: India Madhya Pradesh Benchmark Park, Indore

Organization: Financial Services

Job Description:

Job Purpose

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD

Business

Financial Services

Unit

Aditya Birla Capital Ltd.

Location

Indore

Poornata Position Number of the job

Reports to: Poornata Position Number

Poornata Position Title of the job (30 characters max)

ASM - Business Loans

Reports to: Poornata Position Title

RSM- Business Loans

Function

Sales & Marketing

Reports to: Function

Sales & Marketing

Department

Personal Loans & Business Loan

Reports to: Department

Personal Loans & Business Loan

Designation of the Employee

Area Sales Manager - BL

Designation of the Manager

Regional Sales Manager - BL

Date of writing/updation of JD

22nd March 2026

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)

Responsible for building the book size for own area of coverage and developing the Unsecured 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 Zonal Head and operationalize end to end Unsecured lending transactions with superior product delivery while ensuring credit quality of new acquisitions

2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

Figures in Rupees Crores

Dimension (FY 21)

STUL

Disbursements

Avg. ROI

19.00%

16.00%

23.50%

Fee Income

2.00%

1.75%

2.75%

Cross Sell

1.00%

12 MOB Front End Resolutions

95.00%

95.50%

95.00%

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ((Max 3975 Characters)

Organization Context

Aditya Birla Finance Limited ("ABFL") is a lending subsidiary of Aditya Birla Capital Limited. ABFL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABFL is one of the top private diversified NBFCs in India. As of 31-Dec’20, ABFL has a pan-India presence with 91 branches and a lending book of Rs. 45,560 Crores.

ABFL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABFL also has a Wealth Management division.

ABFL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABFL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

Business Context

The strategy is to grow ABFL aggressively in the retail space, through scale-up 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

o To ensure a zonal strategy that is differentiated and innovative, considering regional factors and consumer preferences, and that can withstand competitive pressures, especially given ABFL’s late entry into Unsecured lending

o 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

o To constantly upgrade financial & operational know how of self and team members on efficient loan processing, effective negotiation and relationship building for maintaining credibility with DSA network and profitable target achievement

o To keep abreast with latest market trends through focused market intelligence, as well as regulatory changes for inputs on requisite amendments to policies, processes, etc.; To ensure compliant sales operations despite sales pressures and market cycles

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated

Key Result Areas

Supporting Actions

Sales Growth & Client Acquisition

Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition
Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business
Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes
Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline
Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base
Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture

Actively participate in initiatives and contests driven by Business Development teams

Operational Effectiveness

Work with dual focus on sales volume and value (IRR) through the team
Track & ensure SLA adherence, sales efficiencies and RoI
Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well

Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM as well as down the line

Distribution & Market Expansion

Develop and strengthen distribution network through liaising and networking efforts, considering product positioning and competitive pressures
Scan the market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the unsecured segment
Engage with DSA channel network and execute the agreed touch point management system for faster customer connectivity and loan processing-disbursement; escalate issues appropriately for timely resolution

Customer Servicing & Relationship Management

Coordinate with risk and operations teams to execute robust, customer friendly loan approval and booking processes
Recommend improvements to operating procedures and technological tools to enhance customer experience through reduced processing TATs while simultaneously ensuring complaint operations
Ensure customer queries/ complaints are addressed in a timely and effective manner and coordinate personally to expedite the same
Leverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAs

Risk Management

Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk team
Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts for receivables lending in line with regulatory and financial controls requirements
Support risk management by maintaining focus on prescribed guidelines and process checks at all stages of the unsecured loan transaction and raising potential alarm cases in advance
Proactively identify and report risks in order to ensure portfolio quality is maintained
Liaise with the channel partners, customers and the risk team on specific escalation cases

Internal Stakeholder Management

Partner with peer ASMs/ SMs and reporting SMs (if any) to overcome challenges and support sales growth via effective channel management, customer acquisition
Proactively build and maintain relationships with key internal stakeholders (E.g. Operations, Risk Management) for smooth and efficient transactions and issue resolution

5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

Sales Managers – Unsecured Business: Responsible for building the book size for own area of coverage and developing the Unsecured 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 Area Sales Manager and Zonal Head, and operationalize end to end Unsecured lending transactions with superior product delivery while ensuring credit quality of new acquisitions.

6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives

Relationship Type

Frequency

Nature

Internal

RSM - Unsecured

Reporting SMs – Unsecured

HR dept

IT dept

Risk dept

Operations dept

Weekly

Daily

‘

Need Based/ Process Driven

Need Based

Daily

Business MIS, review on new market development, progress on objectives, client escalations

Reviewing & driving channel expansion, sales strategies, client escalation cases

Performance Reviews, Training

Back-end/ systems support

Proposal evaluations, portfolio monitoring

Client servicing issues, TAT reviews

External

Existing and Prospective customers

Channel partners (DSAs)

Daily/ Need Based

Daily

CRM & understanding the need of new products/ positioning changes

Product and business development initiatives

7) Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position.

SIGN-OFF: Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record.

Job Holder

Reports to – Manager

Name

Multiple

Regional sales Manager – BL

Date of Entry / Approval

Apply Now

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Job Description:

Job Purpose

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ((Max 3975 Characters)

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated

5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)

6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives

Relationship Type

Frequency

Nature

7) Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position.

SIGN-OFF: Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record.