Sales Manager at Aditya Birla Capital

Overview

Aditya Birla Housing Finance Limited (ABHFL), under Aditya Birla Capital Limited, is a recognized housing finance company registered with the National Housing Bank. They provide an array of home finance products such as home loans, improvements, construction, balance transfer, top-up loans, and loans against property aimed at individual retail buyers as well as institutional clients and builders. With dynamic business units catering to salaried and self-employed customer segments, ABHFL strives to maintain growth and profitability, managing risks and operational efficiencies closely.

Role Purpose

The Sales Manager for direct channels is responsible for meeting sales objectives via builder networks, brokers, and other referral sources. This role involves leading sales officers in target attainment, client relationship management, and coordinating with internal teams like Risk, Operations, and Governance to ensure compliant and effective sales functioning and a healthy loan portfolio. Cross-selling financial products across the group lines is also a vital responsibility aligned with branch goals.

Key Responsibilities

• Planning and managing sales operations in consultation with ASM-ABHFL to meet branch targets while analyzing local competitive conditions and market trends.
• Conducting regular market and competitor analysis to identify new business prospects and challenges.
• Tracking sales performance and proactively supporting sales efforts including direct client engagement.
• Communicating clear sales targets, business expectations, and product knowledge to the sales team to improve outcomes.
• Deploying incentive schemes that balance increasing sales with cost efficiency.
• Preparing and sharing periodic management reports covering disbursements, profitability, NPAs, and market expansion.
• Facilitating local customer acquisition and supporting the team in closing complex transactions to enhance client satisfaction.
• Managing customer grievances and escalating as needed to maintain healthy client relations.
• Ensuring smooth operational cycles across sourcing, approval, servicing, and collections by coordinating with relevant internal teams.
• Implementing process improvements for faster turnaround times and higher productivity.
• Driving cross-selling initiatives and aligning team efforts to broader product strategies.
• Mentoring and developing team members through training nominations and personalized guidance.
• Collaborating with internal stakeholders to maintain operational consistency and achieve targets.
• Working closely with Risk and Governance teams to uphold credit quality and reduce delinquencies via early alert mechanisms and disciplined portfolio management.

Required Qualifications and Experience

• Graduate degree with 5 to 7 years of overall sales experience in banking or NBFC sectors.
• At least 2 to 3 recent years focused specifically on housing finance sales.

Additional Information

The position demands commercial acumen, team leadership, communication skills, as well as strong product and market awareness. The role is on-site, requiring hands-on involvement in client dealings and team management. A strategic and execution-oriented mindset is essential to balance growth, compliance, risk, and customer satisfaction in a high-volume retail loan environment.