Area Sales Head - SEG Business, Rajasthan

Job Overview

The Area Sales Head for the SEG business at Aditya Birla Capital is responsible for steering the SEG vertical in the designated region to achieve portfolio growth and profitability objectives. The role emphasizes minimizing Non-Performing Assets (NPAs) while attaining targeted returns on equity. A key focus is on building and guiding a motivated regional sales team to meet business goals effectively.

Responsibilities

• Drive growth by managing various channel networks such as Direct Sales Agents, Mediators (CAs), and internal lead sources including marketing.
• Assist Relationship Managers in developing a comprehensive database of potential channel partners, assessing their viability, and successfully onboarding them through negotiations aligned to business potential.
• Constantly engage and activate prominent area-level channel partners, ensuring they achieve the expected return on equity.
• Set and monitor weekly sales targets with Relationship Managers, conduct regular reviews and track daily activities to boost customer acquisition of SEG loans.
• Collaborate with channel partners and Relationship Managers to meet key clients, negotiate terms, and facilitate smooth application processing.
• Maintain effective funnel management to optimize conversion rates from loan applications to disbursement, expediting approvals through risk mitigation.
• Ensure sales teams accurately represent product USPs and manage customer communications responsibly without overpromising.
• Oversee timely loan disbursal aligning with proper documentation, customer service standards, and internal compliance.
• Maintain coordination between team members, vendors, and internal departments to facilitate smooth documentation submission and quick disbursement response.
• Monitor post-disbursal account hygiene and intervene to resolve statutory or other issues.
• Gather and analyze market intelligence, conduct competitive benchmarking, and propose strategic recommendations for process and policy improvements.
• Oversee portfolio quality to reduce NPAs by daily monitoring, initiate early collections on overdue accounts, collaborate with collection teams, and enforce profitability via effective pricing and cost management.
• Champion process adherence and improvements, ensuring the team understands company policies and follows correct sales practices. Manage sales MIS reporting and support audit processes.
• Lead recruitment, training, and retention initiatives to develop a capable, motivated team. Conduct regular performance reviews and provide constructive feedback.

Additional Information

Work Location: Rajasthan, India
Employment Type: Full-time, Onsite