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Area Sales Manager

Aditya Birla Group — Varanasi, VARANASI

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Experience 3-12 Years yrs
Age 21-35 yrs
Gender Both
Salary Not Disclosed LPA
Department Sales Loans
Product Loans

Job Description

3) Job Context & Major Challenges 

(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?  

  1. To originate and increase market share in assigned coverage area against stiff competition, overcoming competitive pressures borne out of better established networks, price undercutting, etc. 
  2. To establish a strong local network and leverage the same to generate business leads, and also identify opportunities for cross sell with existing customers 
  3. To proactively build new and nurture existing DSA relationships keeping in mind immediate and longer term business interests, and considering the phased manner of team size expansion 
  4. To constantly upgrade financial & operational know how of self and team members on efficient loan processing, effective negotiation and relationship building for maintaining credibility with DSA network and profitable target achievement 
  5. To keep abreast with the latest market trends and local market preferences and needs o To ensure loan conversion/ sanction/ utilization percentages are high and a broad enough sourcing funnel is built to meet targets  
  6. To ensure credit quality and effective portfolio selection/pre-screening thereby minimizing potential NPAs 
  7. To ensure compliant sales operations despite sales pressures and market cycles 

Enabling Skill Sets & Qualifications o Critical skill sets required to meet these challenges include execution excellence, business & commercial acumen, sound product understanding, excellent communication and influencing skills. 

  1. Education & experience required to fulfil this profile are a postgraduate with minimum 8 - 10 yrs of total sales experience of which at least recent 4-5 yrs experience should be in unsecured lending. 

 

 

4) Principal Accountabilities 

 

 

Accountability  

 

 

Supporting Actions 

 

Sales Growth & Client Acquisition 

  1. Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition 
  2. 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 
  3. Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes 
  4. o    Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline 
  5. Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base 
  6. o    Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture 






 

 

o 

Actively participate in initiatives and contests driven by Business Development teams 

Operational Effectiveness 

o 

Work with dual focus on sales volume and value (IRR) through the team 

  

o 

Track & ensure SLA adherence, sales efficiencies and ROI 

 

o 

Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well 

 

o 

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 RSM as well as down the line 

Distribution  & 

Market 

Expansion 

o 

Develop and strengthen distribution network through liaising and networking efforts, considering product positioning and competitive pressures 

 

o 

Scan the market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the unsecured segment 

 

o 

Engage with DSA channel network and execute the agreed touch point management system for faster customer connectivity and loan processing-disbursement; escalate issues appropriately for timely resolution 

Customer Servicing & 

Relationship 

Management 

o o 

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 compliant operations 

 

o 

Ensure customer queries/ complaints are addressed in a timely and effective manner and coordinate personally to expedite the same 

 

o 

Leverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAs 

Risk 

Management  

o 

Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk team 

 

o 

Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts

Frequently Asked Questions

What are the eligibility criteria for the Area Sales Manager job at Aditya Birla Group?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 3-12 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Area Sales Manager at Aditya Birla Group?

The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Area Sales Manager at Aditya Birla Group.

Is prior experience required for this position?

This role requires around 3-12 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.

What skills are important for this role?

Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.

How do I apply for the Area Sales Manager role at Aditya Birla Group?

You can apply directly using the Apply Now button on this page, which will take you to Aditya Birla Group's application process for this role.