Area Sales Manager - Unsecured Self Employed - Panipat

Birla Carbon; Panipat; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Aditya Birla Group invites applications for an Area Sales Manager - Unsecured Self Employed in Panipat. You will identify and execute local sales growth, drive channel expansion, acquire new accounts, and deliver on targets by building strong DSA relationships and offering customised unsecured loan structures.

You will segment markets, manage loan processes with internal teams, monitor KPIs and RoI, and expand the DSA network while ensuring risk controls and efficient TATs.

Qualifications

Responsibilities

• Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition
• Segment the market and identify potential direct clients, approach them and generate business through customized loan structures that meet client requirements and margins
• Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes
• Augment the sales volumes of Unsecured lending, manage channel databases and tap them to ensure healthy sales pipeline
• Drive faster TATs through effective loan sanctioning by coordinating with internal stakeholders to expand channel presence and customer base
• Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture
• Work with dual focus on sales volume and value (IRR) through the team
• Track & ensure SLA adherence, sales efficiencies and RoI
• Adopt improvements in processes and best practices to enhance productivity
• Analyze and communicate operational information periodically for disbursements, profits, NPAs, etc.
• Develop and strengthen distribution network, liaise with channel partners and report on market trends
• Engage with DSA channel network and implement touch point management for faster customer connectivity and loan processing
• Coordinate with risk and operations to ensure robust loan approval and booking processes
• Recommend improvements to operating procedures and tools to enhance customer experience and reduce processing TATs
• Ensure customer queries/ complaints are addressed promptly and build post-sanction surveillance
• Execute compliant Sales Operations in line with risk management
• Proactively identify and report risks to maintain portfolio quality
• Liaise with channel partners, customers and risk team on escalation cases
• Partner with peers and internal stakeholders for smooth transactions and issue resolution
• Discover life at Aditya Birla Group

Job description

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

Area Sales Manager - Unsecured Self Employed - Panipat

Designation : Manager

Job Description:

Key Result Areas

Supporting Actions

• Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition
• Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business
• Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes
• Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline
• Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base
• Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture

Actively participate in initiatives and contests driven by Business Development teams

Operational Effectiveness

• Work with dual focus on sales volume and value (IRR) through the team
• Track & ensure SLA adherence, sales efficiencies and RoI
• Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well

Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM as well as down the line

Distribution & Market Expansion

• Develop and strengthen distribution network through liaising and networking efforts, considering product positioning and competitive pressures
• Scan the market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the unsecured segment
• Engage with DSA channel network and execute the agreed touch point management system for faster customer connectivity and loan processing-disbursement; escale issues appropriately for timely resolution

Customer Servicing & Relationship Management

• Coordinate with risk and operations teams to execute robust, customer friendly loan approval and booking processes
• Recommend improvements to operating procedures and technological tools to enhance customer experience through reduced processing TATs while simultaneously ensuring complaint operations
• Ensure customer queries/ complaints are addressed in a timely and effective manner and coordinate personally to expedite the same
• Leverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAs
• Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk team
• Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts for receivables lending in line with regulatory and financial controls requirements
• Support risk management by maintaining focus on prescribed guidelines and process checks at all stages of the unsecured loan transaction and raising potential alarm cases in advance
• Proactively identify and report risks in order to ensure portfolio quality is maintained
• Liaise with the channel partners, customers and the risk team on specific escalation cases

Internal Stakeholder Management

• Partner with peer ASMs/ SMs and reporting SMs (if any) to overcome challenges and support sales growth via effective channel management, customer acquisition
• Proactively build and maintain relationships with key internal stakeholders (E.g. Operations, Risk Management) for smooth and efficient transactions and issue resolution
• Discover more about life at Aditya Birla Group