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Job Description – Relationship Manager – LAS Retail
Enriching Lives
Winning as ONE
ABC Company Info:
Aditya Birla Capital Limited ("ABCL") is the holding company for the financial services businesses of the Aditya Birla Group.
With subsidiaries/JVs that have a strong presence across Protecting, Investing and Financing solutions, ABCL is a financial solutions group that caters to the diverse needs of its clients across their life cycle. Powered by more than 38,000 employees, the businesses of ABCL have a nationwide reach with over 1300 branches, more than 2,00,000 agents/channel partners and various bank partners.
Aditya Birla Finance Limited:
Aditya Birla Finance Limited (“ABFL”), a subsidiary of Aditya Birla Capital Limited, is among the leading well-diversified non-banking financial services company in India. ABFL offers customized solutions in the areas of personal finance, mortgage finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication.
What makes an ideal ABC Citizen?
At ABC, we are constantly on the lookout for individuals who resonate with our 5 core values of Speed, Passion, Integrity, Seamlessness and commitment and live them every day, while also understanding our vision. We believe in building leaders who thrive on challenges, take the onus of creating and sustaining strong teams, and forms strong networks as a result of effective relationship-building.
Role Details:
Business
Aditya Birla Capital
Unit
Aditya Birla Finance Limited
Location
Pan India
Role
Relationship Manager
Department
Mid-Market & Wealth
Eligibility Criteria
Post Graduate with 3-5 years exp
Required Capabilities & Competencies
This role demands a robust network within the designated geography, the ability to evaluate and interpret market trends, exceptional communication and negotiation capabilities, a strong focus on client satisfaction, and a results-driven mindset focused on reaching targets.
Preferably a Post Graduate Degree or an MBA with 3 – 5 yrs experience in Capital Markets
Key Responsibilities:
Business Development and Profitability: To reach the targeted loan book & NIM by selling CMG
products in the assigned geography to HNI & Retail segments. The role requires sourcing through
multiple channels including direct acquisition, national alliances, DSAs and ABC ecosystem Client Lifecycle Management: Make sure loan account regularization on ongoing basis in terms of security value, interest payment as well repayment of loan and keeping the NPA under control. Understanding of client needs and offering the range of other ABC products.
1. Deliver Strong Sales & Budgeted NIM Growth
Assisting Actions:
Reach budgeted business volumes.
Focus on increasing Net Interest Margin (NIM) for self.
Focus on fee-generating services to meet projected fee income.
2. Undertake New Client Acquisition, Retention & Growth
Assisting Actions:
Map target HNI (High Net Worth Individuals) clients in the geography.
Build and nurture relationships to generate a strong pipeline & disbursements.
Establish Direct Selling Agents (DSAs) and direct sales opportunities for rapid client connection.
3. Sustain Service Standards and Client Satisfaction Metrics
Assisting Actions:
Stay informed of client qualifications and monitor relationships from origination to closure.
Proactively resolve client issues during the sales cycle.
Stay abreast of latest industry trends and competitors to identify new ways to engage clients.
4. Make sure Risk Management, Policy Adherence & Documentation
Assisting Actions:
Be aware of all critical policies, processes, and documentation for all products.
Make sure compliance with policies and procedures.
Monitor client profiles and margin shortfalls, making sure zero NPAs by adhering to timelines.
5. Sustain High Standards of Portfolio Management (Margin Regularization, Market Intelligence & NPA Management)
Assisting Actions:
Regularly monitor margin shortfalls and proactively regularize them based on market volatility.
Stay updated on the latest developments in the local market and report client defaults, trends, etc.
Sustain a good quality lending book and oversee stress/overdues through active client engagement.
6. Formulate MIS & Present Them to Management
Assisting Actions:
Deliver periodic reports to the Head Office (HO) on lead closure ratios, sales volumes, profits, and status of new product launches.
7. Cross-Sell ABC Products and Services
Assisting Actions:
Cross-sell other lending and wealth management services of ABC to the same target audience.
Cross-sell other products and services like insurance, financing, and securities to a wider audience.
Foster relationships with cross-functional teams to drive the One EBW culture.
8. Contribute to Own Development and Skill Enhancement
Assisting Actions:
Actively pursue self-development through internal and external training programs.
Seek relevant certifications that enhance capabilities in financial sales and services.
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https://www.adityabirlacapital.com/careers?ref=abc-homepage
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Disclaimer
Aditya Birla Capital is committed to deliver equal opportunity to all in employment and prohibits discrimination or harassment in any form on the basis of race, colour, religion, ethnicity, age, gender, disability or any other characteristic protected by law. Diversity, Equity and Inclusion (DEI) is embedded in our recruitment policies based on our business needs and applicants meeting the eligibility criteria such as qualification, capabilities and experience.
Important
Aditya Birla Capital and its member companies do not demand or accept money from job applicants.
Any job offer made against a service charge or security deposit or processing fees or background verification expenses or any other terms, whether refundable or non-refundable should be considered fake.
An authentic job offer mail from us will have our domain name (adityabirlacapital.com).
Please be aware of fraudsters using fake URLs to mask themselves as senders from reputed organisations. Hence always check and verify the email ID.
Any mail offering a job, interview date and asking for personal details should be handled with caution, especially if the mail address list also includes email IDs ending with Gmail/Yahoo/Hotmail/Live domains.
In case a job applicant is offered a job against payment in any form, or has accepted employment from fraudulent persons, Aditya Birla Capital and its member companies will NOT be held liable and tasked with any consequences thereof.
Please remain vigilant of such offers and notify us