ABHFL - Sales Manager - Prime - Indore

Birla Carbon; Indore District; On-site; INR 600,000 - 900,000; Full time

Job summary

Birla Carbon is seeking an Area Sales Manager to plan area sales and drive business growth in the region, with a focus on home loan sales through Ultratech channels. The role includes leading a team of Relationship Officers, developing micro markets, and coordinating with Risk and Operations for portfolio health.

The candidate should have 6–8 years of sales experience in Banking/NBFC, including 3–4 years in HFC sales, with strong business acumen and leadership capabilities.

Qualifications

• Postgraduate degree with 6–8 years total sales experience in Banking/NBFC space, including 3–4 years in HFC sales.
• Strong business and commercial acumen, team management, communication, execution, product‑market understanding, and operations integration.
• Solid knowledge of home loan products and risk management processes.

Responsibilities

• Branch Sales Planning & Management – devise the branch sales plan and team approach, overseeing end‑to‑end branch operations, productivity, and channel management.
• Customer Acquisition & Engagement – identify local growth opportunities, drive expansion, new customer acquisition, and ensure customer satisfaction through effective communication and complaint resolution.
• Operational Effectiveness – implement efficient business processes throughout the Customer Lifecycle, interface with Risk, Operations, and Sales Governance for smoother operations and performance metrics.
• Cross‑Selling – execute cross‑selling strategy with ABC products, guiding the team and ensuring alignment with the broader organizational plan.
• Team & Internal Stakeholder Management – develop and coach team members, liaise with internal stakeholders for cross‑functional coordination, and support continuous improvement.
• Portfolio & Risk Management – work with Risk, Operations, and Sales Governance to maintain adherence to risk controls, review credit approval and disbursement processes, and manage NPAs and portfolio quality.

Skills

Business acumen

Team management

Effective communication

Execution

Product–market understanding

Operations integration

Risk awareness

Education

Postgraduate degree

Job description

Designation: Area Sales Manager

Job Purpose

The purpose of this job is to plan area sales and business growth with the Lead (UBS) and meet stated targets considering local variances and competitive dynamics. Create and manage Home Loan sales in the region by developing new relationships, originating leads from and managing Ultratech Channels such as Ultratech Depots, Dealers, and Ultratech Business Solution Dealers through SRO/RO. Identify and develop new locations and micro markets for informal and small‑ticket Home Loans. Build and manage a team of Senior Relationship Officers and Relationship Officers across the area for business development. This role takes joint approval decisions with Risk counterpart as per the approval matrix and partners with Risk, Operations, and Sales Governance teams to ensure portfolio health.

Key Responsibilities

• KRA1: Branch Sales Planning & Management – Collaborate with Regional Sales Manager to devise the branch sales plan and team approach, overseeing end‑to‑end branch operations, productivity, and channel management.
• KRA2: Customer Acquisition & Engagement – Identify local growth opportunities, drive expansion, new customer acquisition, and ensure customer satisfaction through effective communication and complaint resolution.
• KRA3: Operational Effectiveness – Implement efficient business processes throughout the Customer Lifecycle, interface with Risk, Operations, and Sales Governance for smoother operations and performance metrics.
• KRA4: Cross‑Selling – Execute cross‑selling strategy with ABC products, guiding the team and ensuring alignment with the broader organizational plan.
• KRA5: Team & Internal Stakeholder Management – Develop and coach team members, liaise with internal stakeholders for cross‑functional coordination, and support continuous improvement.
• KRA6: Portfolio & Risk Management – Work with Risk, Operations, and Sales Governance to maintain adherence to risk controls, review credit approval and disbursement processes, and manage NPAs and portfolio quality.

Qualifications

• Postgraduate degree with a minimum of 6–8 years of total sales experience in the Banking/NBFC space, including at least 3–4 years in HFC sales. • Proficient in business and commercial acumen, team management, communication, execution, product‑market understanding, and operations integration. • Strong knowledge of home loan products and risk management processes.

Equal Opportunity Employer statement retained as required by law.