Job Description
Job Description
Enriching Lives Winning as ONE
ABC Company Info:
Aditya Birla Capital Limited (ABCL) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 66,000 employees, the businesses of ABCL have a nationwide reach with over 1,742 branches and more than 200,000 agents/channel partners along with several bank partners.
ABCL and its subsidiaries/JVs manage aggregate assets under management of about Rs. 6 Lakh Crore with a consolidated lending book of over Rs 1.90 Lakh Crore as of Dec 31, 2025.
Aditya Birla Capital Limited is a part of the US$ 67 billion global conglomerate Aditya Birla Group, which is in the league of Fortune 500 and has a consolidated market cap of over US$117 billion, as of Jan 1, 2026. Anchored by an extraordinary force of over 227,500 employees, the Group is built on a strong foundation of stakeholder value creation. With over seven decades of responsible business practices, the Group's businesses have grown into global powerhouses in a wide range of sectors - from metals to cement, fashion to financial services and textiles to trading. Today, over 40% of the Group revenues flow from overseas operations that span 41 countries across six continents with over 340 state-of-the-art manufacturing units.
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 Capital Limited - NBFC |
Location | Rajasthan |
Role | Location Manager |
Department | Retail - Secured |
Eligibility Criteria | Bachelor or master's degree, Experience in LAP Sales |
Required Skills & Competencies
Functional / Technical Skills
- Secured lending product knowledge (STSL / LAP / SME Loans)
- Strong understanding of credit appraisal, risk norms & compliance
- Sales planning, forecasting & target-driven execution
- Channel (DSA) acquisition, engagement & productivity management
- Financial acumen - ROI, IRR, fee income, portfolio quality
- MIS analysis, pipeline tracking & reporting
Behavioral / Managerial Competencies
- Result-oriented with strong execution focus
- Excellent relationship management & negotiation skills
- Customer-centric approach with market awareness
- Ability to work under pressure in a high-volume sales environment
- Team leadership, coaching & performance management
- Integrity, ownership and adherence to governance standards
Key Result Areas:
Key Result Areas (Max 1325 Characters) | Supporting Actions(Max 1325 Characters) |
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 Secured 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
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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
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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 secured 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
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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
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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 secured 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
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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
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Disclaimer
Aditya Birla Capital is committed to provide 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 candidates meeting the eligibility criteria such as qualification, skills and experience.
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