Location Manager - Morbi - Retail - Secured

Aditya Birla Capital; Gujarat; On-site; INR 800,000 - 1,500,000; Full time

Job summary

Aditya Birla Capital is looking for a professional with 6–8 years of sales experience in Banking/NBFC, specifically in micro/affordable loans, to manage area sales and drive business growth. The role involves strategic planning, team management, and achieving sales targets while maintaining compliance with processes. Strong communication and commercial skills are essential. Candidates will need to work closely with various teams to optimize sales operations across products, ensuring overall profitability and portfolio health.

Qualifications

• 6–8 years of total sales experience in the Banking/NBFC space.
• 3–4 years in micro/affordable loan sales.

Responsibilities

• Plan area sales and business growth with the Territory Head.
• Achieve set targets through the team while complying with sales processes.
• Drive cross‑selling across ABFL and ABFSG products as per regional plans.

Skills

Business and commercial acumen

Team management

Communication

Execution

Product-market understanding

Operations integration & controlling skills

Education

Graduate level

Job description

Business

Financial Services

Unit

Aditya Birla Capital Ltd

Function

Sales

Reports to

Territory Head

Date Updated

24th April 2026

Job Purpose

The job exists to plan area sales and business growth with the Territory Head (Sales), achieving set targets through the team while complying with sales processes and guidelines. The role works with Risk, Operations and Sales Governance teams to ensure portfolio health, supports business profitability by addressing underperformance, adopting process improvements, capitalising on channel optimisation opportunities, handling exceptions, and driving cross‑selling across ABFL and ABFSG products/solutions as per regional plans and client requirements.

Key Result Areas

• Branch Sales Planning & Management
  Devises branch sales plans and team approaches; tracks industry developments; oversees end‑to‑end branch operations; reports on metrics; manages daily operations; compiles MIS reports.
• Customer Acquisition / Engagement
  Identifies local growth opportunities; leads new customer acquisition; supports team in complex cases; communicates sales targets; monitors complaint tracker; deploys solutions; serves as escalation point.
• Operational Effectiveness
  Drives adoption of efficient processes across sourcing, approval, servicing and collections; manages distribution across channels; seeks process efficiencies; implements best practices.
• Cross‑Selling across ABFSG products
  Executes cross‑selling strategy; trains and guides team; aligns activities with the strategy.
• Team and Internal Stakeholder Management
  Guides and develops team members; arranges training; coordinates with internal stakeholders for cross‑functional alignment.
• Portfolio & Risk Management
  Works with Risk, Operations and Sales Governance to ensure risk controls; reviews credit approval and loan processes; monitors portfolio quality; drives collections and PDD closures.

Key Challenges

• Deliver operational plan in assigned coverage area under competitive pressures.
• Grow business while maintaining profitability against market‑linked product pricing and processing fee levels.
• Originate market share in assigned area through strong local networks and cross‑sell opportunities.
• Continuously upgrade team skills and stay abreast of market trends and consumer preferences.
• Ensure high loan conversion, sanction and utilisation rates with a broad sourcing funnel.
• Maintain credit quality and minimise NPAs through effective portfolio selection and pre‑screening.
• Drive compliant sales operations amid sales pressures and market cycles.

Education & Experience

Graduate level with 6–8 years of total sales experience in the Banking/NBFC space, including at least 3–4 years in micro/affordable loan sales.

Enabling Skill Sets

Business and commercial acumen, team management, communication, execution, product‑market understanding, and operations integration & controlling skills.