SM-DSA || Bhiwadi ||

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

Job summary

Aditya Birla Capital is seeking a skilled sales professional to execute operations through the DSA channel in Rajasthan. The successful candidate will drive sales performance and manage essential relationships in the housing finance sector, ensuring compliance and operational effectiveness.

With a solid background in sales (6–7 years minimum) and experience in housing finance, you'll work collaboratively with various teams to optimize loan conversions and achieve branch objectives. Join us to leverage your expertise and grow within a dynamic environment.

Qualifications

• Minimum of 6–7 years total sales experience in the banking/NBFC sector.
• At least 3–4 years of recent sales experience in housing finance (HFC).
• Good exposure to the DSA channel.

Responsibilities

• Execute sales operations through the DSA channel aligned with branch objectives.
• Build and maintain a DSA network and manage relationships.
• Ensure credit quality while meeting profitability and delinquency targets.

Skills

Sales experience in banking/NBFC sector

Recent experience in housing finance (HFC)

Strong commercial acumen

Team management

Communication skills

Product-market awareness

Execution skills

Education

Graduate

Job description

Job Purpose

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. Coordinate with Risk, Operations, and Sales Governance teams to ensure compliant and efficient sales operations and portfolio health. Drive and execute cross‑selling of ABHFL and ABC products/solutions as per branch level objectives.

Job Context & Major Challenges

Aditya Birla Capital (ABC) and Aditya Birla Housing Finance Limited (ABHFL) operates in the Indian housing finance market. ABHFL provides a range of home and construction loans and focuses on retail customers. The role requires building and maintaining a DSA network, managing relationships, optimizing loan conversion rates, and ensuring credit quality while meeting profitability and delinquency targets. Competitive dynamics, cost of funding, and regulatory compliance are key drivers.

Key Result Areas

• KRA1: Sales Planning and DSA Management
  • Define and execute a target‑achievement plan in collaboration with ABHFL sales.
  • Scan the local market and competitors regularly and adjust DSA efforts accordingly.
  • Review DSA network for effectiveness and drive operational efficiencies.
• KRA2: Data and MIS Reporting
  • Compile and provide periodic MIS reports on disbursements, profitability, DSA performance, NPAs, and market expansion.
• KRA3: Customer Acquisition & Engagement
  • Identify local growth opportunities and refine DSA engagements.
  • Work closely with DSA partners on prospects to facilitate relationship origination.
  • Communicate with in‑process prospects and DSA partners to maintain clarity on transaction status.
  • Deploy schemes to drive DSA engagement, sales and profitability.
• KRA4: Operational Effectiveness
  • Track and ensure efficient DSA business processes across sourcing, approval, servicing, and collections.
  • Drive process efficiencies and faster TATs by coordinating with Risk, Operations, and Sales Governance.
  • Adopt improved processes and best practices to enhance operational effectiveness and productivity.
• KRA5: Portfolio Quality & Compliance
  • Ensure credit quality and effective portfolio selection/pre‑screening.
  • Work closely with Risk to minimize potential NPAs while driving sales and maintaining DSA relationships.
  • Maintain compliant sales operations at all times despite market pressures.

Qualifications

• Graduate with a minimum of 6–7 years total sales experience in the banking/NBFC sector.
• At least 3–4 years of recent sales experience in housing finance (HFC) with good exposure to the DSA channel.
• Strong commercial acumen, team management, communication, product‑market awareness, and execution skills.