Area Sales Manager - Retail - Unsecured BL - Indore

Aditya Birla Capital; Madhya Pradesh; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Aditya Birla Capital Ltd. in Indore invites applications for ASM - BL and RSM - BL roles in Sales & Marketing, focusing on Personal Loans and Business Loans. The role emphasizes building the loan book for the area and driving unsecured lending growth.

You will work with the Zonal Head to execute end-to-end unsecured transactions while ensuring credit quality and strong product delivery to expand market share.

Responsibilities

• Responsible for building the book size for own area of coverage and developing the Unsecured segment with a robust, balanced portfolio in line with assigned targets; to devise & execute operational tactics for effective DSA engagement, market share enhancement and achievement of business objectives; to work closely with Zonal Head and operationalize end to end Unsecured lending transactions with superior product delivery while ensuring credit quality of new acquisitions

Job description

Financial Services
Aditya Birla Capital Ltd.
Indore
ASM - Business Loans
RSM- Business Loans
Sales & Marketing
Personal Loans & Business Loan
Area Sales Manager - BL
Regional Sales Manager - BL
Date of Writing/Updation of JD: 22 nd March 2026

Job Purpose

Responsible for building the book size for own area of coverage and developing the Unsecured segment with a robust, balanced portfolio in line with assigned targets; to devise & execute operational tactics for effective DSA engagement, market share enhancement and achievement of business objectives; to work closely with Zonal Head and operationalize end to end Unsecured lending transactions with superior product delivery while ensuring credit quality of new acquisitions

Dimension (FY 21)

• BL: Disbursements 50, Avg. ROI 19.00%, Fee Income 2.00%, Cross Sell 1.00%, 12 MOB Front End Resolutions 95.00%
• PL: Disbursements 40, Avg. ROI 16.00%, Fee Income 1.75%, Cross Sell 1.00%, 12 MOB Front End Resolutions 95.50%
• STUL: Disbursements 25, Avg. ROI 23.50%, Fee Income 2.75%, Cross Sell 1.00%, 12 MOB Front End Resolutions 95.00%

Organization Context

Aditya Birla Finance Limited ("ABFL") is a lending subsidiary of Aditya Birla Capital Limited. ABFL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABFL is one of the top private diversified NBFCs in India. As of 31-Dec'20, ABFL has a pan-India presence with 91 branches and a lending book of Rs. 45,560 Crores.

ABFL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABFL also has a Wealth Management division.

ABFL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABFL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

Business Context

The strategy is to grow ABFL aggressively in the retail space, through scale-up of existing lines of business while realizing new business development opportunities. There is also an increased focus on using digital ecosystems as a competitive advantage. The business is characterized by