Location Manager - Retail - Secured - Panipat

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

Job summary

Aditya Birla Group invites applications for a Location Manager - Retail - Secured in Panipat. You will work with the Cluster Sales Head to devise branch sales plans, monitor performance, and drive customer acquisition while ensuring efficient branch operations.

The role emphasizes cross-selling ABFSG products, MIS reporting, risk controls, and collaboration with internal stakeholders to sustain growth and superior service quality.

Responsibilities

• Devise branch sales plan with Cluster Sales Head - ABFL and cascade to branches.
• Track local market, assess industry developments and competitive offerings.
• Oversee end-to-end branch operations, governance, productivity, and channel management.
• Report sales operations metrics and drive high-performance sales culture.
• Manage day-to-day branch operations and administration.
• Provide data for MIS reports on disbursements, profitability, NPAs, market expansion.
• Identify local growth opportunities and drive new customer acquisition.
• Support complex transactions to ensure customer satisfaction.
• Set sales targets and clarify product USPs to the team.
• Track complaint cases and drive satisfactory closure.
• Propose approved solutions to drive sales and profitability.
• Escalate with Territory Head for key relationships.
• Serve as escalation point for customer complaints.
• Deploy initiatives from customer satisfaction surveys to improve NPS.
• Collaborate with ABFL leadership and risk teams for risk management.
• Drive adoption of efficient processes across the customer lifecycle.
• Manage local distribution across channels with partners.
• Improve processes and faster TATs with stakeholders across Risk, Operations and Sales Governance.
• Drive high performance through client engagement and productivity metrics.
• Drive cross-selling activities per strategy with Territory Head.
• Support team with communications and training.
• Guide and develop team for customer acquisition and engagement.
• Arrange trainings and self-development.
• Liaise with internal stakeholders for cross-functional alignment.
• Work with Risk, Operations and Sales Governance to ensure adherence to controls.
• Review loan sanctioning, disbursement and documentation to ensure controlled operations.
• Review NPAs and credit trends; provide risk inputs.
• Drive compliant sales operations with risk teams; ensure PDD closures.
• Maintain relationships with institutional customers and guide delinquency cases.
• Train team on early alert strategies to reduce NPAs.
• Ensure systematic MIS on NPAs and credit trends.
• 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.

Location Manager - Retail - Secured - Panipat

Designation : NA

Job Description:

Job Purpose

Job Purpose Description

Branch Sales Planning & Management

• Work with Cluster Sales Head - ABFL on devising the branch sales plan and team approach for achieving targets, considering product-environmental factors, competitive forces and local trends, and cascade the same to the branch team(s)
• Track industry and market developments, scanning the local market and competitive offerings on a periodic basis
• Oversee end to end branch operations and performance, covering all aspects such as sourcing, effectiveness, governance, productivity, channel management, etc.
• Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture
• Manage day-to-day branch operations and administration
• Provide data for, compile and review periodic MIS reports for disbursements, profitability, NPAs, market expansion, etc. and communicate to Territory Head (Sales) - ABFL as well as to team members
• Identify local business growth opportunities, drive expansion and new customer acquisition initiatives to create a book of targeted size
• Work closely with team members, hand-holding critical/ complex transactions to ensure favorable closure with customer satisfaction
• Communicate sales targets and provide team members clarity on business goals, role expectations, product characteristics and USPs to enhance effectiveness of sales efforts
• Track cases in the complaint tracker/ escalations received, liaising with relevant stakeholders as required to drive satisfactory closure
• Deploy efforts/ initiatives in consultation with Territory Head (Sales) – ABFL, arising from customer satisfaction survey and resulting NPS (Net Promoter Score), targeting identified focus areas
• Propose and deploy approved solutions and schemes to drive sales and enhance profitability, ensuring dual focus on sales expansion and cost optimization
• Serve as a point of escalation and manage customer complaints/ grievances effectively, intervening especially for key relationships

Operational Effectiveness

• To drive adoption of efficient business processes/ operations across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)
• Manage local distribution across channels, interfacing with senior/ critical partners/ stakeholders as required for smooth operations
• Drive process efficiencies and faster TATs through interfacing with stakeholders across processes and functions (Risk, Operations, Sales Governance) and efficient operations
• Drive high performance by reinforcing focus on business and sales growth objectives, effective client engagement, monitoring sales operations and productivity metrics, and providing support and guidance as required
• Drive the implementation of improved processes and best practices in order to enhance operational effectiveness, productivity and overall business impact

Cross-Selling across ABFSG products

• Drive activities and initiatives in the team as per Cross-Selling strategy agreed with Territory Head (Sales) - ABFL
• Drive alignment to the adopted Cross-Selling strategy by supporting team members with requisite communications, training, guidance, etc. as required

Team and Internal Stakeholder Management

• Guide and develop team members for enhanced customer acquisition and engagement efforts, helping them achieve superior performance standards and hand-holding where required
• Nominate teams for relevant technical and behavioral trainings/ seminars and work on self development initiatives
• Proactively liaise with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of business objectives.
• Work with the Risk, Operations and Sales Governance teams to ensure adherence to risk management and control mechanisms
• Support risk and review process through the credit approval process and by reviewing the loan sanctioning, disbursement process and documentation to ensure controlled operations
• Review financial risk via analysis of city/ branch operations MIS and Data Analytics reports
• Drive compliant Sales Operations and sound risk management via partnership with Risk, Operations and Sales Governance teams, and necessary communication and guidance; drive timely PDD closures and collections
• As part of Relationship Maintenance with institutional customers, review reports on client accounts, business performance, etc. and liaise with Risk while guiding team on delinquency cases
• Train and guide the team for alignment with adopted early alert strategies to reduce NPA risks and losses
• Ensure systematic MIS on NPAs and credit trends, providing inputs on possible risks that could impact portfolio quality
• Discover more about life at Aditya Birla Group