Location Manager - Retail Secured - Delhi

Aditya Birla Capital


Date: 4 hours ago
City: Remote, Remote
Contract type: Full time
Remote
Key Result Areas (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

Branch Sales Planning & Management

  • Work with Territory 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 Territory Head (Sales) - ABFL as well as to team members

Customer Acquisition/ Engagement

  • Identify local business growth opportunities, drive expansion and new customer acquisition initiatives to create a book of targeted size
  • Work closely with team members, hand-holding critical/ complex transactions to ensure favorable closure with customer satisfaction
  • Communicate sales targets and provide team members clarity on business goals, role expectations, product characteristics and USPs to enhance effectiveness of sales efforts
  • Track cases in the complaint tracker/ escalations received, liaising with relevant stakeholders as required to drive satisfactory closure
  • Deploy efforts/ initiatives in consultation with Territory Head (Sales) – ABFL, arising from customer satisfaction survey and resulting NPS (Net Promoter Score), targeting identified focus areas
  • Propose and deploy approved solutions and schemes to drive sales and enhance profitability, ensuring dual focus on sales expansion and cost optimization
  • 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 Territory 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

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