SSM DSA - CHN - Prime
Aditya Birla Group —Tamil Nadu
- Sales
- Bachelor's degree
- Banking
Sales Rep./ Territory Business Executive
Novartis —Tamil Nadu
- Full-time
- Sales
- B.Sc
- Bachelor's degree
6d
SSM | Madurai | Informal |
Aditya Birla Group —Tamil Nadu
- Sales
- Bachelor's degree
- Banking
Senior Engineer – Costing
Texmo Group —Coimbatore, Tamil Nadu
- Analysis skills
- Project management
- Human resources
- Paid holidays
- Health insurance
Field Officer
Geoniqx Infratech Pvt Ltd —Coimbatore, Tamil Nadu
- ₹12,000 - ₹20,000 a month
- Full-time
- Customer service
- Business development
- Analysis skills
Quick apply
SM DST - Informal | Tiruvannamalai
Aditya Birla Group —Tamil Nadu
- Sales
- Bachelor's degree
- Banking
2d
After Market
Saaki Argus & Averil Consulting —Chennai, Tamil Nadu
- Bachelor's degree
Quick apply
CTL CA Articleship
Société Générale —Chennai, Tamil Nadu
- Full-time
- Microsoft Powerpoint
- Microsoft Word
- Microsoft Excel
Business Developer
42andmore —Chennai, Tamil Nadu
- Sales
- Data analysis skills
- Bachelor's degree

More jobs to discover

Find similar jobs that you might be interested in.

Channel Sales Rep - Chennai
PIP Global Safety —Chennai, Tamil Nadu
Candidate to be responsible for the business development and growth of the Safety Products business in HPPE. He will be responsible to create the pull for the…
Quick apply
Sales Rep./ Territory Business Executive
Novartis —Tamil Nadu
As a Sales Representative at Novartis, you’ll build strong relationships with healthcare professionals and deliver solutions that make a real difference for…
6d

I want to receive the latest job alerts for it company driver in tamil nadu

By signing in to your account, you agree to SimplyHired's Terms of Service and consent to our Cookie and Privacy Policy.

Explore jobs in more locations

it company driver jobs near tamil nadu

Cost Engineer jobs in Coimbatore, Tamil Nadu

Territory Sales Executive jobs in Jalandhar, Punjab

Executive, Accounts jobs in Tumkur, Karnataka

Executive Assistant jobs in Mumbai, Maharashtra

Inside Sales jobs in Chennai, Tamil Nadu

Walk In Interview, Mis Executive jobs in Hyderabad, Telangana

Territory Sales Executive jobs in Delhi, Delhi

Territory Sales Executive jobs in Durg, Chhattisgarh

Territory Sales Executive jobs in Indore, Madhya Pradesh

Cost Engineer jobs in Pune, Maharashtra

Cost Engineer jobs in Vadodara, Gujarat

Fresher Data Engineer jobs in Bengaluru, Karnataka

Mnc Company, Civil Engineer jobs in Surat, Gujarat

Cost Engineer jobs in Nashik, Maharashtra

Mechanical Engineer jobs in Bihar

Cost Engineer jobs in Surat, Gujarat

Business Development Executive jobs in Rajkot, Gujarat

Business Developer jobs in Gurugram, Haryana

Business Developer jobs in Vishwakarma Industrial Area, Jaipur, Rajasthan

Business Developer jobs in Delhi

SSM DSA - CHN - Prime

Aditya Birla Group -
Tamil Nadu

Apply Now

Job details

Freelance

Qualifications

Sales
Sales
Bachelor's degree
Business requirements
Banking
Negotiation
Customer acquisition

Full job description

Designation:

Location: India Tamil Nadu Guindy - Chennai

Organization: Financial Services

Job Description:

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

Business

Aditya Birla Capital Limited

Unit

Aditya Birla Housing Finance Limited

Location

Poornata Position Number of the job

Reports to: Poornata Position Number

Poornata Position Title of the job

Sales Manager(SM)

Reports to: Poornata Position Title

Area Sales Manager(ASM)

Function

Sales

Reports to: Function

Sales

Department

Housing Finance

Reports to: Department

Housing Finance

Date of writing/ Updation of JD

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

The purpose of this job is to execute sales operations through the DSA channel in line with branch plan and objectives by interfacing with DSA partners and end customers to achieve targets. This role coordinates with Risk, Operations and Sales Governance teams to ensure compliant and efficient sales operations and portfolio health. It also drives and executes cross-selling of ABHFL and ABFC products/ solutions as per branch level objectives.

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.

Business Workforce Number

Unit Workforce Number

Function Workforce Number

Department Workforce Number

Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter

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

Organizational Context

Key Aspects:

Part of the Aditya Birla Capital Limited, Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property and construction finance. The company acquired its license on 9th July 2014 and has aggressive growth plans.
ABHFL has grown at a steady rate while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of segments like Affordable and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market. and is poised for rapid growth and plans to grow 5X (40,000 Cr) in the next 5 years. This shall take ABHFL within the top 5 percentile of HFCs in the country.
The ABHFL Sales organization works broadly with 3 customer segments – retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self-employed, with both of these having very different preferences and needs.

Job Context

Key Aspects:

Providing 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.
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients
For 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.
For 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.
The Sales Manager (DSA) – ABHFL is responsible for achieving sales targets through the DSA channel, as agreed with the ASMABHFL, in terms of targeted book size, growth & customer service objectives.

Key Challenges

To build and tap DSA network in order to achieve targets considering factors impacting DSA relationships such as competitor offerings/ terms, existing relationships, mutually beneficial propositions, etc.
To upgrade financial & operational know how on industry dynamics, effective negotiation and relationship building, and efficient loan processing for maintaining lasting relationships with DSAs and customers while ensuring portfolio health and profitability
To drive loan conversion/ sanction/ utilization rates and ensure an appropriate sourcing funnel to meet targets
To ensure credit quality, effective portfolio selection/ pre-screening, and work closely with Risk team members to minimize potential NPAs while driving sales and maintaining DSA relationships
To ensure compliant sales operations at all times, despite sales pressures and market cycles

Enabling Skill Sets & Qualifications

Critical skill sets required to meet these challenges include commercial acumen, team management and communication, product-market awareness, and execution skills.
Education & experience required to fulfil this profile are a graduate with minimum 6 - 7 yrs of total sales experience in the Banking/ NBFC space, of which at least recent 3 - 4 yrs experience should be in HFC sales with good exposure to DSA channel.

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)

Key Result Areas

Supporting Actions

Sales Planning and DSA Management

Define and execute a plan for target achievement in conjunction with ASMABHFL, considering competitive forces and local trends
Scan the local market and competitor offerings on a periodic basis, and work closely with DSA network to tweak efforts accordingly
Constantly review DSA network for effectiveness and drive operational efficiencies to ensure active DSA relationships are working optimally to achieve business objectives
Provide data for and compile periodic MIS reports for disbursements, profitability, DSA performance, NPAs, market expansion, etc.; also use insights to provide DSA partners feedback proactively

Customer Acquisition/ Engagement

Identify local business growth opportunities, and refine DSA engagements accordingly
Work closely with DSA partners on identified prospects for relationship origination by deploying a partnership mindset and sharing product characteristics and USPs effectively to drive favorable closure and customer satisfaction
Communicate with in-process prospects and DSA partners to ensure clarity on transaction status and proactively drive for operational compliance to ensure timely approvals
Deploy schemes to drive DSA engagement, sales and profitability, ensuring dual focus on sales expansion and cost optimization

Operational Effectiveness

Track and ensure efficient DSA business processes/ operations across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)
Drive process efficiencies and faster TATs through interfacing with stakeholders across processes and functions (Risk, Operations, Sales Governance)
Adopt improved processes and best practices in order to enhance operational effectiveness, productivity and overall business contribution of DSAs for ABHFL

Cross-Selling across ABC products

Drive DSA partner efforts as per Cross-Selling strategy agreed with ASMABHFL, interfacing with end customers/ prospects as required

Self-Development and Internal Stakeholder Management

Stay up to date on market developments, DSA engagement practices/ innovations, negotiation and relationship building skills for enhanced customer acquisition and engagement efforts through the DSA channel
Attend relevant technical and behavioral trainings/ seminars and work on self-development initiatives
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets

Portfolio & Risk Management

Work with the Risk, Operations and Sales Governance teams to ensure adherence to risk management and control mechanisms
Liaise proactively with DSA partners and end prospects/ customers for clarity on and adherence to risk management measures
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality

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)

No direct reports

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

Area Head

Sales Governance

Risk function

Operations function.

HR function

IT function

Daily

Weekly/ Need Based

Weekly/ On-going

Weekly

Need Based/ Process Driven

Need Based

Business MIS, review on new market development, progress on target achievement, escalations

Ensuring sales compliance; payout/ incentive design-execution, channel, team on-boarding, etc.

Proposal logging, evaluation and approval; NPA management

Client servicing issues, TAT reviews, NPA management

Performance Reviews, Training

Back-end/ systems support

External

DSA Network

Existing and Prospective customers

External Forums & Networking platforms

Daily/ On-going

Fortnightly/ Need Based

Half-yearly

Engagement for lead generation, targeted efforts, prospect conversion, etc.

CRM for relationship management and understanding needs for customized solutions

Grow relationships in the market, augment DSA network, scan trends/ dynamics & build awareness

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

Date of Entry / Approval

Apply Now

Refine Your Search

it company driver jobs in tamil nadu

SSM DSA - CHN - Prime

Sales Rep./ Territory Business Executive

SSM | Madurai | Informal |

Senior Engineer – Costing

Field Officer

SM DST - Informal | Tiruvannamalai

After Market

CTL CA Articleship

Business Developer