Sales Officer

Aditya Birla Capital


Date: 2 weeks ago
City: Ahmedabad, Gujarat
Contract type: Full time
This job is provided by apna.co Job Context

Key Aspects

  • Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.
  • While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.
  • Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients
  • For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability
  • For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage
  • The Relationship Officer (Direct) – responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and ASM, in terms of targeted book size, growth & customer service objectives.

Key Challenges

  • To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc.
  • To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as required
  • To upgrade financial & operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability
  • To check credit quality via effective portfolio selection/ pre-screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations
  • To ensure compliant sales operations at all times, despite sales pressures and market cycles

Enabling Skill Sets & Qualifications

  • Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.
  • Education & experience required to fulfil this profile are a graduate with 1- 2 yrs (3 – 4 yrs for Sr. Sales Officer) of sales experience in the Banking/ NBFC space.

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