ABFL-Territory Head-Retail Emerging-Reengus

Aditya Birla Group

  • Reengus, Rajasthan
  • Permanent
  • Full-time
  • 1 month ago
Job Description:4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updatedKey Result Areas (Max 1325 Characters)Supporting Actions (Max 1325 Characters)Branch Sales Planning & Management * Work with Circle Head (Sales) - ABFL on devising the branch sales plan and team approach for achieving targets, considering product-environmental factors, competitive forces and local trends, and cascade the same to the branch team(s)
  • Track industry and market developments, scanning the local market and competitive offerings on a periodic basis
  • Oversee end to end branch operations and performance, covering all aspects such as sourcing, effectiveness, governance, productivity, channel management, etc.
  • Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture
  • Manage day-to-day branch operations and administration
  • Provide data for, compile and review periodic MIS reports for disbursements, profitability, NPAs, market expansion, etc. and communicate to Circle Head (Sales) - ABFL as well as to team members
Customer Acquisition/ Engagement
  • o Identify local business growth opportunities, drive expansion and new customer acquisition initiatives to create a book of targeted size
  • o Work closely with team members, hand-holding critical/ complex transactions to ensure favorable closure with customer satisfaction
  • o Communicate sales targets and provide team members clarity on business goals, role expectations, product characteristics and USPs to enhance effectiveness of sales efforts
  • o Track cases in the complaint tracker/ escalations received, liaising with relevant stakeholders as required to drive satisfactory closure
  • o Deploy efforts/ initiatives in consultation with Circle Head (Sales) – ABFL, arising from customer satisfaction survey and resulting NPS (Net Promoter Score), targeting identified focus areas
  • o Propose and deploy approved solutions and schemes to drive sales and enhance profitability, ensuring dual focus on sales expansion and cost optimization
  • o Serve as a point of escalation and manage customer complaints/ grievances effectively, intervening especially for key relationships
Operational Effectiveness
  • To drive adoption of efficient business processes/ operations across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)
  • Manage local distribution across channels, interfacing with senior/ critical partners/ stakeholders as required for smooth operations
  • Drive process efficiencies and faster TATs through interfacing with stakeholders across processes and functions (Risk, Operations, Sales Governance) and efficient operations
  • Drive high performance by reinforcing focus on business and sales growth objectives, effective client engagement, monitoring sales operations and productivity metrics, and providing support and guidance as required
  • Drive the implementation of improved processes and best practices in order to enhance operational effectiveness, productivity and overall business impact
Cross-Selling across ABFSG products * Drive activities and initiatives in the team as per Cross-Selling strategy agreed with Circle Head (Sales) - ABFL
  • Drive alignment to the adopted Cross-Selling strategy by supporting team members with requisite communications, training, guidance, etc. as required
Team and Internal Stakeholder Management * Guide and develop team members for enhanced customer acquisition and engagement efforts, helping them achieve superior performance standards and hand-holding where required
  • Nominate teams for relevant technical and behavioral trainings/ seminars and work on self development initiatives
  • Proactively liaise with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of business objectives.
Portfolio & Risk Management * Work with the Risk, Operations and Sales Governance teams to ensure adherence to risk management and control mechanisms
  • Support risk and review process through the credit approval process and by reviewing the loan sanctioning, disbursement process and documentation to ensure controlled operations
  • Review financial risk via analysis of city/ branch operations MIS and Data Analytics reports
  • Drive compliant Sales Operations and sound risk management via partnership with Risk, Operations and Sales Governance teams, and necessary communication and guidance; drive timely PDD closures and collections
  • As part of Relationship Maintenance with institutional customers, review reports on client accounts, business performance, etc. and liaise with Risk while guiding team on delinquency cases
  • Train and guide the team for alignment with adopted early alert strategies to reduce NPA risks and losses
  • Ensure systematic MIS on NPAs and credit trends, providing inputs on possible risks that could impact portfolio quality
5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)Area Head :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.6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectivesRelationship Type (Max 80 Characters)FrequencyNature (Max 1325 Characters)InternalCircle HeadArea HeadHR deptIT deptRisk deptOperations deptWeekly / Need BasedWeekly/Need Based‘Need Based/ Process DrivenNeed BasedDailyDailyBusiness MIS, review on new market development, progress on objectives, client escalationsReviewing & driving channel expansion, sales strategies, client escalation casesPerformance Reviews, TrainingBack-end/ systems supportProposal evaluations, portfolio monitoringClient servicing issues, TAT reviewsExternalExisting and Prospective customersExternal Forums & Networking platformsWeekly/ Need BasedMonthly/ OngoingCRM & understanding the need of new products/ positioning changesDevelop relationships in the market, scan current trends/ dynamics & build awareness on new business7) Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position.

Aditya Birla Group