ABHFL - Sales Manager - Direct - Affordable - Kolkata

ABC - Aditya Birla Housing Finance Limited; West Bengal; On-site; INR 900,000 - 1,300,000; Full time

Job summary

ABC - Aditya Birla Housing Finance Limited is seeking a Sales Planning & Management professional to lead market analysis, target tracking, and cross-functional collaboration across sales, risk, and operations in West Bengal. You will guide the team on opportunities, deploy sales schemes, and ensure alignment with business goals and customer needs.

The role emphasizes data-driven decision making, disciplined MIS reporting, and proactive risk management to sustain growth while improving efficiency

Responsibilities

• Scan the local market and competitive offerings on a periodic basis, guiding team members on opportunities and challenges.
• Proactively track target achievement and intervene with sales efforts to ensure the same.
• Communicate sales targets and provide team 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.
• Drive compliant Sales Operations and sound risk management by training and guiding the team proactively on early alert practices to reduce NPA risks and by compiling MIS on NPAs and credit trends.

Job description

KRA1 Sales Planning & Management

• 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

• 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 escrow to ASM ABHFL as necessary to secure customer relationship

KRA3 Operational Effectiveness

• 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

• 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

• 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