ABHFL - Regional Sales Manager - Informal - Bhopal

Aditya Birla Group; Bhopal; Sur place; INR 2 500 000 - 4 000 000; Plein temps

Résumé du poste

ABHFL (Aditya Birla Housing Finance Limited) seeks a Regional Sales Manager to lead and expand regional housing finance sales in Bhopal. You will drive the sales framework, manage client relationships, and steer a sales team to achieve growth targets while ensuring portfolio quality.

The role emphasizes strategic market expansion, regulatory compliance, and effective team leadership in a high-volume retail environment.

Qualifications

• Postgraduate with 8–10 yrs total sales experience in Banking/NBFC
• At least 5–6 yrs in HFC sales
• Strong leadership and market expansion capabilities

Responsabilités

• Drive regional sales operations for ABHFL in the assigned territory
• Develop state-level sales strategy in consultation with ZSM-ABHFL
• Ensure high loan sanctions, utilization and a healthy funnel of opportunities
• Maintain credit quality and portfolio health while meeting growth targets
• Motivate and manage a high-performance sales team in a competitive market

Connaissances

Business acumen

Team management

Communication

Execution skills

Product-market understanding

Operations integration & controlling

Formation

Postgraduate degree

Description du poste

At the Aditya Birla Group, our Corporate Vision is aligned and intricately woven with our People Vision.

ABHFL - Regional Sales Manager - Informal - Bhopal

Designation :

Job Description:

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 9 th 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 in this segment.
• The RSM ABHFL is responsible for driving regional sales operations in line with the strategy devised and agreed with the ZSMABHFL, to achieve targeted book size, profitability, growth & customer service objectives via requisite business development, client engagement and team mobilization initiatives.
• To co-create a regional/ state sales strategy (in consultation with the ZSM-ABHFL), that takes into account state-specific realities and challenges associated with being a new brand in a cluttered marketplace
• To drive regional performance, overcoming competitive pressures to grow market share and create book of desired size
• To stay up to date on the latest market and sector trends, identifying opportunities/ challenges for the regional business to capitalize on/ prepare for, and provide relevant inputs to the ZH as well
• To ensure loan conversion/ sanction/ utilization percentages are high and an appropriate sourcing funnel is built to meet targets
• To 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 profitability
• To ensure compliant regional sales operations at all times, despite sales pressures and market cycles
• To ensure credit quality and effective portfolio selection/ pre-screening thereby minimizing potential NPAs
• To ensure team motivation and engagement in a high pressure work environment and a competitive talent market

Enabling Skill Sets & Qualifications

• Critical skill sets required to meet these challenges include business acumen, strong 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 8 - 10 yrs of total sales experience in the Banking/ NBFC space, of which at least recent 5 - 6 yrs experience should be in HFC sales.
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