Unit
Aditya Birla Capital Ltd
Location
Poornata Position Number of the job
Reports to: Poornata Position Number
Poornata Position Title of the job (30 characters max)
Location Manager
Reports to: Poornata Position Title
Territory Head
Function
Sales
Reports to: Function
Sales
Department
Retail Secured
Reports to: Department
Retail Secured
Designation of the Employee
Location Manager
Designation of the Manager
Territory Head
Date of writing/updation of JD
01-April-2026
The purpose of this job is to plan area (city/ branch) sales and business growth with the Territory Head (Sales) and achieve set targets through the team while complying with sales processes and guidelines at all times. It takes joint approval decisions with Risk counterpart as per approval matrix, and works with Risk, Operations and Sales Governance teams to ensure portfolio health. It works to support business profitability by addressing underperformance, adopting process improvements, capitalizing on channel optimization opportunities, etc. It intervenes as required in specific cases/ exceptions and helps address bottlenecks for the achievement of sales targets, hand-holding team members on complex cases. It also drives cross-selling across ABFL and ABFSG products/ solutions as per regional plans and unique client requirements.
Business Workforce Number
(Max 254 Characters)
Unit Workforce Number
(Max 254 Characters)
Function Workforce Number
(Max 254 Characters)
Department Workforce Number
(Max 254 Characters)
Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter
Organizational Context
Key Aspects:
Job Context
Key Aspects:
Key Challenges
To ensure compliant sales operations despite sales pressures and market cycles
Enabling Skill Sets & Qualifications
Education & experience required to fulfil this profile are a graduate with minimum 6 – 8 yrs of total sales experience in the Banking/ NBFC space, of which at least recent 3 – 4 yrs experience should be in Micro/affordable loan sales.
Key Result Areas ( Max 1325 Characters)
Supporting Actions ( Max 1325 Characters)
Branch Sales Planning & Management
Customer Acquisition/ Engagement
Operational Effectiveness
Cross-Selling across ABFSG products
Team and Internal Stakeholder Management
Portfolio & Risk Management
Relationship Officer/Relationship Manager :
Responsible for building book size as per assigned targets for the branch/ area, through efficient sales operations across the customer lifecycle (Sourcing, Approval, Servicing, Collections), while ensuring sufficient sourcing funnel, revenue generation, profitability, MIS, portfolio management, as per desired levels; to ensure the end to end management of solutions and transactions with adequate credit quality monitoring of new acquisitions.
Relationship Type ( Max 80 Characters) Frequency Nature ( Max 1325 Characters)
Internal
Territory Head
Relationship Officer/Relationship Manager
HR dept
IT dept
Risk dept
Operations dept
Weekly / Need Based
Daily
‘
Need Based/ Process Driven
Need Based
Daily
Daily
Business MIS, review on new market development, progress on objectives, client escalations
Reviewing & driving channel expansion, sales strategies, client escalation cases
Performance Reviews, Training
Back-end/ systems support
Proposal evaluations, portfolio monitoring
Client servicing issues, TAT reviews
External
Existing and Prospective customers
External Forums & Networking platforms
Weekly/ Need Based
Monthly/ Ongoing
CRM & understanding the need of new products/ positioning changes
Develop relationships in the market, scan current trends/ dynamics & build awareness on new business
SIGN-OFF: Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record.
Job Holder
Reports to – Manager
Name
Signature (needed for the hard copy)
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