Aditya Birla Sun Life Insurance
Website:
adityabirlacapital.com
Job details:
Role Details
Business
Aditya Birla Capital
Unit
Aditya Birla Finance Limited
Location
Mumbai
Role
Relationship Manager / Senior Relationship Manager
Department
Mid-Market & Supply Chain
Eligibility Criteria
Masters in Finance, 5-7 Years of Relevant Experience
Required Skills & Competencies
- The Mid Market and Supply Chain function is responsible for financing the short-term, medium-term, and long-term working capital and supply chain needs of SMEs through a suite of customized products with varied tenures.
- The key business metrics for success include loan book size, profitability, and a zero-tolerance approach to delinquency.
- A strong understanding of business finance, loan structuring techniques, and credit administration is essential to building credibility with customers and gaining a competitive edge.
- Deep knowledge of local market dynamics—including specific occupations/trades, industries, and local financial and investment preferences—is critical for structuring loans effectively and identifying new business opportunities.
- Expand market share in targeted locations and outpace competition.
- Continuously upgrade financial acumen, including knowledge of loan structuring methods and business financials, to build trust and credibility with customers.
- Stay informed about recent market trends and evolving local market preferences to align with customer needs.
- Ensure strong credit quality by conducting effective portfolio selection and pre-screening to minimize the risk of non-performing assets (NPAs).
- Safeguard financed amounts by conducting post-sanction surveillance, maintaining strong client relationships, and monitoring collateral to ensure the complete safety of the financing.
Key Responsibilities
Achieve Sales Targets Through The Following Actions
- Drive pipeline funnel to achieve book size and market share.
- Monitor local market trends and competitive offerings, identifying opportunities for business expansion in the region.
- Ensure minimal client attrition through strong client engagement activities.
- Regularly engage with investment bankers, chartered accountants, and brokers to source new business.
- Raise escalation on delinquent cases/potential NPAs and closely monitor these through the team for collection dues.
- Track key accounts in the portfolio for business health and early warning signs of NPAs.
- Client Acquisition & Relationship Management
- Acquisition of new clients by identifying potential leads and conversion strategies.
- Increase area business volume through strong cross-selling initiatives and innovative product offerings.
- Cultivate deeper customer relationships by ensuring faster turnaround times (TATs) in collaboration with Credit Analysts.
- Utilize technology to improve operational efficiencies and responsiveness in customer service, ensuring retention of existing customers.
- Disbursal - Timely Loan Disbursement with Proper Documentation
- Coordinating with internal stakeholders to process loan applications.
- Responding to queries from internal teams to ensure timely and accurate disbursal.
- Completing transactions with customers with the appropriate documentation.
- Market Intelligence
- Gather market intelligence on competitive strategies, policies, and processes regularly.
- Share the collected market intelligence with the Area Sales Manager to adjust business tactics accordingly.
- Portfolio Quality & Profitability
- Track overdue accounts daily for the business and ensure timely collections.
- Intervene to ensure collection on initial overdue accounts in a timely manner.
- Ensure profitability by applying appropriate pricing strategies and processing fees.
- Implement cost management initiatives on a timely and accurate basis.
- Organization Process Efficiency
- Adhere to all processes for both pre and post-sourcing activities.
- Provide input to the Area Sales Manager for the Sales MIS to improve reporting and operational performance.
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