Job Description

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD

Business	Financial Services
Unit	Aditya Birla Finance Ltd.
Location	Mumbai
Poornata Position Number of the job		Reports to: Poornata Position Number
Poornata Position Title of the job (30 characters max)	ASM – PL, STUL	Reports to: Poornata Position Title	NSM- Business Loans- Mumbai
Function	Sales & Marketing	Reports to: Function	Sales & Marketing
Department	Personal Loans & Business Loan	Reports to: Department	Personal Loans & Business Loan
Designation of the Employee	Area Sales Manager – PL, STUL	Designation of the Manager	Regional Sales Manager – PL, STUL
Date of writing/updation of JD	22^nd March 2021

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)

Responsible for building the book size for own area of coverage and developing the Unsecured segment with a robust, balanced portfolio in line with assigned targets; to devise & execute operational tactics for effective DSA engagement, market share enhancement and achievement of business objectives; to work closely with Zonal Head and operationalize end to end Unsecured lending transactions with superior product delivery while ensuring credit quality of new acquisitions.

2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.

Figures in Rupees Crores
Dimension (FY 21)	BL	PL	STUL
Disbursements	50	40	25
Avg. ROI	19.00%	16.00%	23.50%
Fee Income	2.00%	1.75%	2.75%
Cross Sell	1.00%	1.00%	1.00%
12 MOB Front End Resolutions	95.00%	95.50%	95.00%

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ((Max 3975 Characters)
Organization Context Aditya Birla Finance Limited ("ABFL") is a lending subsidiary of Aditya Birla Capital Limited. ABFL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABFL is one of the top private diversified NBFCs in India. As of 31-Dec’20, ABFL has a pan-India presence with 91 branches and a lending book of Rs. 45,560 Crores. ABFL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABFL also has a Wealth Management division. ABFL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABFL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII. Business Context The strategy is to grow ABFL aggressively in the retail space, through scale-up of existing lines of business while realizing new business development opportunities. There is also an increased focus on using digital ecosystems as a competitive advantage. The business is characterized by high transaction volumes and smaller ticket sizes. Given nature of customers, the business also always entails stringent controls and monitoring to ensure portfolio health and quality . Cost of funding and competitiveness of loan rates are important drivers of profitability in this space. Key Challenges To ensure a zonal strategy that is differentiated and innovative, considering regional factors and consumer preferences, and that can withstand competitive pressures, especially given ABFL’s late entry into Unsecured lending. To build and grow the business and to ensure loan conversion/ sancti Frequently Asked Questions What are the eligibility criteria for the ASM - Unsecured Salaried - Nagpur job at Aditya Birla Group? Eligibility typically includes the qualifications and experience outlined in the job description above, with around 8-13 Years years of relevant experience expected for this role. What are the primary responsibilities of a ASM - Unsecured Salaried - Nagpur 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 ASM - Unsecured Salaried - Nagpur at Aditya Birla Group. Is prior experience required for this position? This role requires around 8-13 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 ASM - Unsecured Salaried - Nagpur 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. Makhija Royale, 701, Swami Vivekananda Rd, Govind Dham, Ram Krishna Nagar, Khar West, Mumbai, Maharashtra 400052 8104468345 9137523589 Follow us on © 2026 Finploy. All rights reserved. PRODUCT Pricing Browse Jobs GET TO KNOW US Contact Support ABOUT US About Us Contact Us Privacy Policy Terms and Conditions Refund & Cancel Policy Makhija Royale, 701, Swami Vivekananda Rd, Govind Dham, Ram Krishna Nagar, Khar West, Mumbai, Maharashtra 400052 8104468345 9137523589 Follow us on © 2026 Finploy. All rights reserved.

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ((Max 3975 Characters)

Organization Context

Aditya Birla Finance Limited ("ABFL") is a lending subsidiary of Aditya Birla Capital Limited. ABFL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABFL is one of the top private diversified NBFCs in India. As of 31-Dec’20, ABFL has a pan-India presence with 91 branches and a lending book of Rs. 45,560 Crores.

ABFL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABFL also has a Wealth Management division.

ABFL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABFL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.

Business Context

The strategy is to grow ABFL aggressively in the retail space, through scale-up of existing lines of business while realizing new business development opportunities. There is also an increased focus on using digital ecosystems as a competitive advantage. The business is characterized by high transaction volumes and smaller ticket sizes. Given nature of customers, the business also always entails stringent controls and monitoring to ensure portfolio health and quality . Cost of funding and competitiveness of loan rates are important drivers of profitability in this space.

Key Challenges

To ensure a zonal strategy that is differentiated and innovative, considering regional factors and consumer preferences, and that can withstand competitive pressures, especially given ABFL’s late entry into Unsecured lending.
To build and grow the business and to ensure loan conversion/ sancti

Frequently Asked Questions

What are the eligibility criteria for the ASM - Unsecured Salaried - Nagpur job at Aditya Birla Group?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 8-13 Years years of relevant experience expected for this role.

What are the primary responsibilities of a ASM - Unsecured Salaried - Nagpur 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 ASM - Unsecured Salaried - Nagpur at Aditya Birla Group.

Is prior experience required for this position?

This role requires around 8-13 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 ASM - Unsecured Salaried - Nagpur 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.

ASM - Unsecured Salaried - Nagpur

Aditya Birla Group — Mumbai, MUMBAI

Job Description

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)

3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ((Max 3975 Characters)

Frequently Asked Questions