Territory Head - Retail Secured - Hubli

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD Business Aditya Birla Finance Ltd Unit Aditya Birla Finance Ltd Location Coimbatore Poornata Position Number of the job Reports to: Poornata Position Number Poornata Position Title of the job (30 characters max) Regional Sales Manager Reports to: Poornata Position Title Function Sales-SLS Reports to: Function Department BGFRLSTSL Reports to: Department Designation of the Employee Regional Sales Manager Designation of the Manager Date of writing/updation of JD 17 th Mar 2022 Job Purpose : Write the purpose for which the job exists (in 2-3 lines) ( Max 1325 Characters) The Purpose Of This Job Is: To deliver on area/ local strategy for the Small Ticket secured Business segment in terms of target segments, strengthening existing relationships and setting up new channels for market penetration, and work towards achievement of sales targets and operational plans. To proactively address customer/ DSA issues and escalate cases (e.g. fraud alerts, customer complaints or exception handling) as required for smooth operations; work on removal of bottlenecks for the achievement of targets for Small Ticket Secured Business segment at the area/ local level To grow the penetration of the business by actively partnering, negotiating and building relationships with the DSA network, and directing and building the capability of SMs (if any assigned) To take ownership for end to end Small Ticket Secured business transactions in assigned area of coverage, with efficient internal operations for superior product delivery and credit quality of new acquisitions with compliant sales operations & coordination with Risk team 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) Investing & Financing Unit Workforce Number (Max 254 Characters) Business Development of lending products Function Workforce Number (Max 254 Characters) Expected to sell the retail products like PL/BL/STLS/STUL/THE Department Workforce Number (Max 254 Characters) Sales of Retail loans PL/BL/STSL/STUL/THE Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter Managing a team of Sales force of PL/BL/STSL/STUL/THE Job Context & Major C hallenges: 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 Companys 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 Small Ticket Secured 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 Small Ticket Secured Business segment products 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, without any security/ collateral. Offerings comprise Small Ticket Secured loans to salaried individuals/ self-employed individuals/ non-individual entities, with end use of funds (Medical emergency, Marriage, 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 Small Ticket Secured nature of loans disbursed Bas