Assistant Site Head

ABCD Aditya Birla Capital Digital; Maharashtra; On-site; INR 900,000 - 1,300,000; Full time

Job summary

ABCD Aditya Birla Capital Digital is seeking a sales professional to execute DSA-driven operations, interface with DSA partners and customers, and achieve growth targets through cross-selling of ABC products. The role emphasizes building compliant processes and maintaining a healthy product portfolio across retail lending offerings.

The candidate should have a graduate degree with 6–7 years of total sales experience in Banking/NBFC, including 3–4 years in HFC sales with DSA exposure, and a

Qualifications

• Graduate with 6–7 years of total sales experience in Banking/NBFC.
• At least 3–4 years in HFC sales with exposure to DSA channel.

Responsibilities

• Define and execute plan for target achievement with Area Sales Manager.
• Develop and manage DSA network and relationships to drive outcomes.
• Drive cross-selling across ABC products per branch objectives and customer needs.
• Ensure compliant sales operations and risk controls with DSAs and customers.
• Provide MIS data on disbursements, profitability, NPAs, and market expansion for decision making.
• Improve operational efficiency across sourcing, approvals, servicing and collections.

Skills

DSA channel exposure

Cross-selling

Negotiation

Relationship management

Commercial acumen

Team management

Communication

Education

Graduate with 6-7 years of total sales experience in Banking/NBFC

Job description

Job Purpose

The purpose of this job is to execute sales operations through the DSA channel in line with branch plan and objectives by interfacing with DSA partners and end customers to achieve targets. This role drives and executes cross‑selling of ABC products/ solutions as per branch level objectives and ensures to build compliant and efficient sales operations and healthy product portfolio.

Job Context & Major Challenges

Organizational Context

ABC Digital has been incorporated as a wholly owned subsidiary of Aditya Birla Capital in 2023 to engage in distribution of Aditya Birla Capital products and providing services to customers, including web‑based services, e-commerce, and payments facilities and allied activities.

ABC Digital is developing an omni‑channel based D2C platform (website and app) to acquire new customers and serve them seamlessly. In addition, ABC Digital has started a virtual engagement management through inbound and outbound calling. Also, ABC Digital is engaged in cross‑selling different ABC products to walk‑in branch customers.

ABC Digital is collaborating with all ABCL subsidiaries to deliver a truly personalized and seamless omni‑channel experience for both new and existing customers by building capacity and enhancing productivity through investments in talent, technology, marketing, and data and analytics.

Job Context

Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, catering to a diverse range of customer segments through its various lending offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABCDLs business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.

While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.

Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients

For retail customers, identifying and acting on relevant needs for target demographics/ customer segments/ etc., in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability.

For institutional/ builder customers, understanding and addressing complex business requirements via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage.

Key Challenges

To build and tap DSA network in order to achieve targets considering factors impacting DSA relationships such as competitor offerings/ terms, existing relationships, mutually beneficial propositions, etc.

To upgrade financial & operational know how on industry dynamics, effective negotiation and relationship building, and efficient loan processing for maintaining lasting relationships with DSAs and customers while ensuring portfolio health and profitability

To drive loan conversion/ sanction/ utilization rates and ensure an appropriate sourcing funnel to meet targets

To ensure credit quality, effective portfolio selection/ pre-screening, and work closely with Risk team members to minimize potential NPAs while driving sales and maintaining DSA relationships

To ensure compliant sales operations at all times, despite sales pressures and market cycles

Enabling Skill Sets & Qualifications

Critical skill sets required to meet these challenges include commercial acumen, team management and communication, product-market awareness, and execution skills.

Education & experience required to fulfil this profile are a graduate with minimum 6 - 7 yrs of total sales experience in the Banking/ NBFC space, of which at least recent 3 - 4 yrs experience should be in HFC sales with good exposure to DSA channel.

Key Result Areas

KRA (Accountabilities)

KRA1 Sales Planning and DSA Management

Define and execute a plan for target achievement in conjunction with Area Sales Manager/Senior Area Sales Manager, considering competitive forces and local trends

Scan the local market and competitor offerings on a periodic basis, and work closely with DSA network to tweak efforts accordingly

Constantly review DSA network for effectiveness and drive operational efficiencies to ensure active DSA relationships are working optimally to achieve business objectives

Provide data for and compile periodic MIS reports for disbursements, profitability, DSA performance, NPAs, market expansion, etc.; also use insights to provide DSA partners feedback proactively

KRA2 Customer Acquisition/ Engagement

Identify local business growth opportunities, and refine DSA engagements accordingly

Work closely with DSA partners on identified prospects for relationship origination by deploying a partnership mindset and sharing product characteristics and USPs effectively to drive favorable closure and customer satisfaction

Communicate with in-process prospects and DSA partners to ensure clarity on transaction status and proactively drive for operational compliance to ensure timely approvals

Deploy schemes to drive DSA engagement, sales and profitability, ensuring dual focus on sales expansion and cost optimization

KRA3 Operational Effectiveness

Track and ensure efficient DSA business processes/ operations across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)

Drive process efficiencies and faster TATs through interfacing with stakeholders across processes and functions (Risk, Operations, Sales Governance)

Adopt improved processes and best practices in order to enhance operational effectiveness, productivity and overall business contribution of DSAs for ABCDL

KRA4 Cross-Selling across ABC products

Drive DSA partner efforts as per Cross‑Selling strategy agreed with ASM/Sr. ASM, interfacing with end customers/ prospects as required

KRA5 Self-Development and Internal Stakeholder Management

Stay up to date on market developments, DSA engagement practices/ innovations, negotiation and relationship building skills for enhanced customer acquisition and engagement efforts through the DSA channel

Attend 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

Liaise proactively with DSA partners and end prospects/ customers for clarity on and adherence to risk management measures

Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality