JobPurpose

Thepurposeofthisjobisto:

• Lead and deliver the Regional Business Strategy for the Unsecured Business segment by drivingsustainableportfoliogrowth,expandingmarketpresence,strengtheningchannelpartnerships,andensuringachievementofsales,profitability,andoperationalobjectivesacrosstheregion.
• Build andmanageahigh-performingsalesorganizationbyprovidingstrategicdirection,governance,andcapabilitydevelopmenttoAreaSalesManagersandsalesteamswhileensuringcustomer-centricandcompliantbusinesspractices.
• Take ownership of the end-to-end unsecured lending business across the region, including business sourcing, channel management, portfolioquality,riskgovernance,andstakeholdercollaboration,toachieveprofitablegrowthwithsuperiorcustomerexperienceandcontrolleddelinquencylevels.

JobContext&MajorChallenges

OrganizationalContext

KeyAspects

• As the lending arm of Aditya Birla Capital, Aditya Birla Finance Limited (ABFL) offers diversified financingsolutionsacrossRetail,SME,Commercial,andCorporatesegmentsandisamongtheleadingNBFCsinIndia.
• ABFLhasinvestedsignificantlyintechnology,processexcellence,riskmanagement,andcustomerexperiencetosupportscalableandsustainablegrowthacrossmultiplelendingbusinesses.
• TheUnsecuredBusinesssegmentrepresentsakeygrowthdriver,offeringhigher-yieldlendingproductstosalariedindividuals,self-employedcustomers,andsmallbusinessesthroughdirectandchannel-ledacquisitionmodels.
• TheRegionalSalesManagerplaysacriticalroleinexpandingbusinessscalewhilemaintainingportfolioquality,profitability,andregulatorycomplianceacrossmultiplegeographies.

JobContext

KeyAspects

• TheroleisresponsiblefordrivingtheoverallUnsecuredBusinessportfoliowithinanassignedregionthrougheffectiveexecutionofsales,distribution,risk,andoperationalstrategies.
• The position managesmultipleterritoriesandAreaSalesManagers,ensuringalignmentwithregionalbusinessplans,portfolioobjectives,andproductivityexpectations.
• SalessourcingissignificantlydependentonDSArelationships,referralecosystems,strategicpartnerships,andlocalmarketpenetrationinitiatives.
• Therolerequiresbalancingaggressivebusinessgrowthwithportfolioquality,delinquencycontrol,profitability,andgovernance.
• TheRegionalSalesManageractsasthekeyinterfacebetweenfieldteamsandcentralfunctionsincludingCredit,Risk,Operations,Product,Collections,andMarketing.
• Successrequiresastrongunderstandingofregionalmarketdynamics,customerbehavior,competitivepositioning,pricingstructures,andevolvinglendingtrends.