Area Sales Manager - Unsecured Self Employed - Panipat

Aditya Birla Group · Panipat · onsite · Posted 28d ago

Not disclosedFresherfulltimeSourced from Foundit

About a minute. You'll make an account on the way through.

About this role

Job Description

Key Result Areas	Supporting Actions
Sales Growth & Client Acquisition	Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition 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 Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture Actively participate in initiatives and contests driven by Business Development teams
Operational Effectiveness	Work with dual focus on sales volume and value (IRR) through the team Track & ensure SLA adherence, sales efficiencies and RoI Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well 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 ZSM as well as down the line
Distribution & Market Expansion	Develop and strengthen distribution network through liaising and networking efforts, considering product positioning and competitive pressures Scan the market and its competitive offerings on a periodic basis report on emerging trends and business opportunities for the unsecured segment 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	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 complaint operations Ensure customer queries/ complaints are addressed in a timely and effective manner and coordinate personally to expedite the same Leverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAs
Risk Management	Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk team Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts for receivables lending in line with regulatory and financial controls requirements Support risk management by maintaining focus on prescribed guidelines and process checks at all stages of the unsecured loan transaction and raising potential alarm cases in advance Proactively identify and report risks in order to ensure portfolio quality is maintained Liaise with the channel partners, customers and the risk team on specific escalation cases
Internal Stakeholder Management	Partner with peer ASMs/ SMs and reporting SMs (if any) to overcome challenges and support sales growth via effective channel management, customer acquisition Proactively build and maintain relationships with key internal stakeholders (E.g. Operations, Risk Management) for smooth and efficient transactions and issue resolution

Sourced from foundit

Skills

Unsecured Loanbusiness loansSales

About Aditya Birla Group

Aditya Birla Group

Metals & Mining

227.5k+

employees

1857

169 years old

Mumbai, Maharashtra

India

About

Aditya Birla Group is a Fortune 500 global conglomerate. The company's businesses have grown into global powerhouses in a wide range of sectors metals, textiles, carbon black, telecom and cement.

Industries

Metals & MiningFinancial ServicesBuilding MaterialRetailTelecomChemicals

Employee ratings

2,383 reviews

4.1/ 5

Culture

3.9

Career growth

3.5

Work-life

4.0

Employees rate it well for

Work Culture191Salary167Senior Management152Work Life Balance146Job Security123

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Key Result Areas

Supporting Actions

Sales Growth & Client Acquisition

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

Actively participate in initiatives and contests driven by Business Development teams

Operational Effectiveness

Work with dual focus on sales volume and value (IRR) through the team
Track & ensure SLA adherence, sales efficiencies and RoI
Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well

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 ZSM as well as down the line

Distribution & Market Expansion

Develop and strengthen distribution network through liaising and networking efforts, considering product positioning and competitive pressures
Scan the market and its competitive offerings on a periodic basis report on emerging trends and business opportunities for the unsecured segment
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

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 complaint operations
Ensure customer queries/ complaints are addressed in a timely and effective manner and coordinate personally to expedite the same
Leverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAs

Risk Management

Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk team
Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts for receivables lending in line with regulatory and financial controls requirements
Support risk management by maintaining focus on prescribed guidelines and process checks at all stages of the unsecured loan transaction and raising potential alarm cases in advance
Proactively identify and report risks in order to ensure portfolio quality is maintained
Liaise with the channel partners, customers and the risk team on specific escalation cases

Internal Stakeholder Management

Partner with peer ASMs/ SMs and reporting SMs (if any) to overcome challenges and support sales growth via effective channel management, customer acquisition
Proactively build and maintain relationships with key internal stakeholders (E.g. Operations, Risk Management) for smooth and efficient transactions and issue resolution