ABHFL - Sales Manager - Direct - Afforda...

PeopleStrong; Kolkata District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

AB Housing Finance Limited in India is seeking a Sales Manager (Direct) to lead the local sales force in the AB Housing Finance segment. The role focuses on planning, customer acquisition, and profitable growth within West Bengal and broader markets, reporting to the Housing Finance Sales department.

The candidate should have 2–4 years of experience in financial services sales, with a graduate degree as a baseline requirement.

Qualifications

• Graduate degree required.
• 2-4 years experience in sales role.
• Knowledge of housing finance market preferred.

Responsibilities

• KRA1: Sales Planning & Management – Plan sales operations to achieve targets and cascade to the team.
• KRA2: Customer Acquisition/ Engagement – Identify local business growth opportunities and manage relationships for origination.
• KRA3: Operational Effectiveness – Ensure efficient processes across sourcing, approval, servicing and collections.
• KRA4: Cross-Selling across ABFSG products – Drive cross-selling aligned with strategy and train the team.
• KRA5: Team and Internal Stakeholder Management – Develop team and coordinate with internal stakeholders for targets.
• KRA6: Portfolio & Risk Management – Ensure adherence to risk controls and compile MIS on NPAs and trends.

Skills

Graduate

Job description

ABHFL - Sales Manager - Direct - Afforda...

ABG108624

• Financial Services
• West Bengal

Posted On 25 Jul 2026

End Date 21 Jan 2027

Required Experience 2 - 4 years

Basic Section

No. Of Position 2

Grade 11

Level NA

Organisational

BUSINESS_UNIT-1 AB Housing Finance Limited

BUSINESS_UNIT-2 AB Housing Finance Limited

BUSINESS_UNIT-3 AB Housing Finance Limited

DEPARTMENT-1 Housing Finance Sales

DEPARTMENT-2 Retail

Country India

Skills

Skill

Graduate

CERTIFICATION

Job Description

KRA (Accountabilities) (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

KRA1 Sales Planning & Management - Work with ASMABHFL and plan sales operations for achieving targets, considering competitive forces and local trends, and cascade the same to the team
- Scan the local market and competitive offerings on a periodic basis, guiding team members on possible opportunities and challenges
- Proactively track target achievement and intervene with sales efforts (personal references, prospecting, etc.) to ensure the same
- Communicate sales targets and provide team members clarity on business goals, role expectations, product characteristics and USPs to enhance effectiveness of sales efforts
- Deploy schemes to drive sales and enhance profitability, ensuring dual focus on sales expansion and cost optimization
- Provide data for and compile periodic MIS reports for disbursements, profitability, NPAs, market expansion, etc. and communicate to ASM ABHFL as well as to team members

KRA2 Customer Acquisition/ Engagement - Identify local business growth opportunities, guide customer acquisition efforts, intervening where required for relationship management/ origination
- Work closely with team members, hand-holding critical/ complex transactions to ensure favorable closure with customer satisfaction
Intervene where required to manage customer complaints/ grievances effectively, and elevate to ASM ABHFL as necessary to secure customer relationship

KRA3 Operational Effectiveness - Monitor and ensure efficient business processes/ operations across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)
- Work with team for adequate focus on different distribution channels, interfacing with senior stakeholders as required for smooth operations
- Drive process efficiencies and faster TATs through interfacing with stakeholders across processes and functions (Risk, Operations, Sales Governance)
Drive the implementation of improved processes and best practices in order to enhance operational effectiveness, productivity and overall business impact

KRA4 Cross-Selling across ABFSG products - Drive team efforts as per Cross-Selling strategy agreed with ASM ABHFL
Drive alignment to the adopted Cross-Selling strategy by supporting team members with requisite communications, training, guidance, and interfacing with clients where required

KRA5 Team and Internal Stakeholder Management - Guide and develop team members for enhanced customer acquisition and engagement efforts, and hand-hold as required
- Nominate teams for 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

KRA6 Portfolio & Risk Management - Work with the Risk, Operations and Sales Governance teams to ensure adherence to risk management and control mechanisms
- Drive compliant Sales Operations and sound risk management by training and guiding the team proactively on early alert practices to reduce NPA risks
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality