Senior Portfolio Manager - Mid Market - Pune

Job Description

Job Description – Portfolio Relationship Manager / Senior Portfolio Relationship Manager

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.

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

Location

Mumbai

Role

Portfolio Relationship Manager / Senior Portfolio Relationship Manager

Department

Mid-Market & Supply Chain

Eligibility Criteria

Masters in Finance or equivalent; 5-7 Years of Relevant Experience

Required Capabilities & Competencies

The Mid Market and Supply Chain function is tasked with financing the short-term, medium-term, and long-term working capital and supply chain needs of SMEs through a suite of customized products with varied tenures.

The key business metrics for success include loan book size, profitability, and a zero-tolerance approach to delinquency.

A strong understanding of business finance, loan structuring techniques, and credit administration is essential to building credibility with clients and gaining a competitive edge.

Deep knowledge of local market dynamics—including specific occupations/trades, industries, and local financial and investment preferences—is critical for structuring loans effectively and identifying new business opportunities.

Expand market share in targeted locations and outpace competition.

Continuously upgrade financial acumen, including knowledge of loan structuring methods and business financials, to build trust and credibility with clients.

Stay informed about recent market trends and evolving local market preferences to align with client needs.

Make sure strong credit quality by conducting effective portfolio selection and pre-screening to minimize the risk of non-carrying out assets (NPAs).

Safeguard financed amounts by conducting post-sanction surveillance, upholding strong client relationships, and monitoring collateral to make sure the complete safety of the financing.

Key Responsibilities:

1.

Sales Growth

Reach sales targets through the following actions:

Drive pipeline funnel to reach book size and market share.

Monitor local market trends and competitive offerings, identifying opportunities for business expansion in the region.

Make sure minimal client attrition through strong client engagement activities, and also generate NTB business through client referrals.

Regularly engage with referral partners, chartered accountants, and brokers/agents to source new business.

Raise escalation on delinquent cases/potential NPAs and closely monitor these through the group for collection dues.

Track key accounts in the portfolio for business health and early warning signs of NPAs.

2. Client Acquisition & Relationship Management

Acquisition of new clients by identifying potential leads and conversion strategies.

Increase area business volume through strong cross-selling initiatives and innovative product offerings.

Cultivate deeper client relationships by making sure faster turnaround times (TATs) in collaboration with Credit Analysts.

Utilize technology to improve operational efficiencies and responsiveness in client service, making sure retention of existing clients.

Cater to client service requests and liaison with internal teams for timely resolution.

3. Disbursal - Timely Loan Disbursement with Proper Documentation

Collaborating with internal stakeholders to process loan applications.

Responding to queries from internal teams to make sure timely and accurate disbursal.

Completing transactions with clients with the appropriate documentation.

4. Market Intelligence

Gather market intelligence on competitive strategies, policies, and processes regularly.

Share the collected market intelligence with the Area Sales Manager to adjust business tactics accordingly.

5. Portfolio Quality & Profitability

Track overdue accounts daily for the business and make sure timely collections.

Intervene to make sure collection on initial overdue accounts in a timely manner.

Make sure profitability by applying appropriate pricing strategies and processing fees.

Implement cost management initiatives on a timely and accurate basis.

6. Organization Process Efficiency

Adhere to all processes for both pre and post-sourcing activities.

Deliver input to the Area Sales Manager for the Sales MIS to improve reporting and operational performance.

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Refer the links to know more Growth & Culture at ABC:

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

here

.You may also lodge a complaint with the law enforcement agencies.

Beware of fake websites, email IDs, Facebook, LinkedIn pages that appear similar to ours.

We reserve the right to initiate any appropriate action as we deem fit.

This opening is for the Senior Portfolio Manager - Mid Market - Pune position in Pune - Lohia Jain Arcade.