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	Bhagalpur & Begusarai
Poornata Position Number of the job		Reports to: Poornata Position Number	00180076
Poornata Position Title of the job (30 characters max)	Area Head	Reports to: Poornata Position Title	Territory Head
Function	Sales-SLS	Reports to: Function	Sales
Department	STSL – D2C	Reports to: Department	STSL – D2C
Designation of the Employee	Area Head	Designation of the Manager	Territory Head
Date of writing/updation of JD	22^nd Jan 2022

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

The purpose of this job is to plan area (city/ branch) sales and business growth with the Territory Head (Sales) and achieve set targets through the team while complying with sales processes and guidelines at all times. It takes joint approval decisions with Risk counterpart as per approval matrix, and works with Risk, Operations and Sales Governance teams to ensure portfolio health. It works to support business profitability by addressing underperformance, adopting process improvements, capitalizing on channel optimization opportunities, etc. It intervenes as required in specific cases/ exceptions and helps address bottlenecks for the achievement of sales targets, hand-holding team members on complex cases. It also drives cross-selling across ABFL and ABFSG products/ solutions as per regional plans and unique client requirements.

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.
Business Workforce Number (Max 254 Characters)
Unit Workforce Number (Max 254 Characters)
Function Workforce Number (Max 254 Characters)
Department Workforce Number (Max 254 Characters)
Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter

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)
Organizational Context Key Aspects: As the debt arm of Aditya Birla Capital (ABC), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, ABFL has made significant progress and the Company’s balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs. The company has a well-defined vision of being one of the most reputed and material financiers within the lending space – spread across Retail HNI and corporate clientele. It has made significant investments in process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all business processes. Spread across 18 cities, it plans on further diversifying its risk and revenue mix through expansion into new geographies and new product segments allowing customers a one-window shop for all their financing needs. Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has ventured into Secured Micro Loan Business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield and profit segment. Job Context Key Aspects: The Secured Micro Loan Business segment product line caters to funding short term and medium term working capital needs of Small Businesses and individuals, via a suite of customized short and long tenured products, with collateral. Offerings comprise Secured Micro Loan to self-employed individuals/ non-individual entities, with end use of funds (Working capital requirement, business expansion etc.) to be ascertained during the loan appraisal process. The business is highly retail in nature, characterized by high transaction volumes, smaller ticket sizes, and significantly higher spread and profit margins (up to four times that of Secured Lending products) Given the Secured Micro Loan nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times While unit of sizing up the business is its loan book size, profitability and minimized delinquency are key business objectives. Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to customers Understanding of product market characteristics such as connector relationship management, region specific occupations/trade, local financial preferences and practices are important to gain competitive advantage while structuring loans and identifying leads. The AH (Sales) – ABFL is responsible for achieving sales targets as agreed with the Territory Head (Sales) – ABFL, in terms of targeted book size, profitability, growth & customer service objectives. Key Challenges To deliver on operational plan in the assigned coverage area in a differentiated manner considering local factors, channel dynamics and consumer preferences, that can withstand competitive pressures on the ground To grow the business while remaining cognizant of competitive realities in the following areas: Market linked product Market average IRR & processing fee levels 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. To establish a strong local network and leverage the same to generate business leads, and also identify opportunities for cross sell with existing customers To constantly upgrade financial & operational know how of self and team members on efficient loan processing, effective negotiation and relationship building for maintaining credibility and profitable target achievement To keep abreast with the latest market trends and local market preferences and needs To ensure loan conversion/ sanction/ utilization percentages are high and a broad enough sourcing funnel is built to meet targets To ensure credit quality and effective portfolio selection/pre screening thereby minimizing potential NPAs To ensure compliant sales operations despite sales pressures and market cycles Enabling Skill Sets & Qualifications Critical skill sets required to meet these challenges include business and commercial acumen, team management and communication, execution skills, product-market understanding, and operations integration & controlling skills. Education & experience required to fulfil this profile are a graduate with minimum 6 - 8 yrs of total sales experience in the Banking/ NBFC space, of which at least recent 3 - 4 yrs experience should be in Micro/affordable loan sales.

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)

Organizational Context

Key Aspects:

As the debt arm of Aditya Birla Capital (ABC), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, ABFL has made significant progress and the Company’s balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs.
The company has a well-defined vision of being one of the most reputed and material financiers within the lending space – spread across Retail HNI and corporate clientele. It has made significant investments in process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all business processes. Spread across 18 cities, it plans on further diversifying its risk and revenue mix through expansion into new geographies and new product segments allowing customers a one-window shop for all their financing needs.
Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has ventured into Secured Micro Loan Business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield and profit segment.

Job Context

Key Aspects:

The Secured Micro Loan Business segment product line caters to funding short term and medium term working capital needs of Small Businesses and individuals, via a suite of customized short and long tenured products, with collateral.
Offerings comprise Secured Micro Loan to self-employed individuals/ non-individual entities, with end use of funds (Working capital requirement, business expansion etc.) to be ascertained during the loan appraisal process.
The business is highly retail in nature, characterized by high transaction volumes, smaller ticket sizes, and significantly higher spread and profit margins (up to four times that of Secured Lending products)
Given the Secured Micro Loan nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are key business objectives.
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to customers
Understanding of product market characteristics such as connector relationship management, region specific occupations/trade, local financial preferences and practices are important to gain competitive advantage while structuring loans and identifying leads.

The AH (Sales) – ABFL is responsible for achieving sales targets as agreed with the Territory Head (Sales) – ABFL, in terms of targeted book size, profitability, growth & customer service objectives.

Key Challenges

To deliver on operational plan in the assigned coverage area in a differentiated manner considering local factors, channel dynamics and consumer preferences, that can withstand competitive pressures on the ground
To grow the business while remaining cognizant of competitive realities in the following areas:
Market linked product
Market average IRR & processing fee levels
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.
To establish a strong local network and leverage the same to generate business leads, and also identify opportunities for cross sell with existing customers
To constantly upgrade financial & operational know how of self and team members on efficient loan processing, effective negotiation and relationship building for maintaining credibility and profitable target achievement
To keep abreast with the latest market trends and local market preferences and needs
To ensure loan conversion/ sanction/ utilization percentages are high and a broad enough sourcing funnel is built to meet targets
To ensure credit quality and effective portfolio selection/pre screening thereby minimizing potential NPAs

To ensure compliant sales operations despite sales pressures and market cycles

Enabling Skill Sets & Qualifications

Critical skill sets required to meet these challenges include business and commercial acumen, team management and communication, execution skills, product-market understanding, and operations integration & controlling skills.

Education & experience required to fulfil this profile are a graduate with minimum 6 - 8 yrs of total sales experience in the Banking/ NBFC space, of which at least recent 3 - 4 yrs experience should be in Micro/affordable loan sales.

Frequently Asked Questions What are the eligibility criteria for the Location Manager 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 Location 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 Location Manager 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 Location 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. 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.
4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated

4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated

Frequently Asked Questions

What are the eligibility criteria for the Location Manager 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 Location 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 Location Manager 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 Location 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.

Location Manager