Senior Relationship Manager - Mid Market - Bangalore

About the Company

Aditya Birla Capital Limited is the parent entity for the Aditya Birla Group’s financial services businesses. Through its subsidiaries and joint ventures, it operates across protection, investment, and financing solutions, serving customers through a wide lifecycle of financial needs. The group is supported by more than 38,000 employees, has a nationwide presence with over 1,300 branches, more than 2,00,000 agents/channel partners, and additional banking partnerships.

Aditya Birla Finance Limited, a subsidiary of Aditya Birla Capital Limited, is a diversified non-banking financial services company in India. Its offerings include personal finance, mortgage finance, SME finance, corporate finance, wealth management, debt capital markets, and loan syndication.

Role Overview

This position is for a Relationship Manager / Senior Relationship Manager in the Mid-Market & Supply Chain function. The role focuses on building and growing business in SME working capital and supply chain financing, while maintaining portfolio quality, profitability, and strong customer relationships.

Ideal Mindset

The organization looks for people who align with its core values of speed, passion, integrity, seamlessness, and commitment. The right candidate should be comfortable taking ownership, working through challenges, building strong teams, and developing networks through effective relationship management.

Key Responsibilities

The role involves developing sales momentum, improving market share, acquiring and managing clients, supporting timely disbursals, gathering market insights, maintaining portfolio health, and ensuring process discipline across pre- and post-sourcing activities.

• Build a healthy sales funnel to achieve targets for book size and market share.
• Track local market movements and competitor offerings to identify expansion opportunities.
• Reduce customer drop-offs by maintaining consistent engagement with clients.
• Develop new business through regular interaction with investment bankers, chartered accountants, and brokers.
• Escalate delinquent accounts and potential NPAs, while closely following up on collection dues.
• Monitor important accounts for business health and early warning signs of stress.
• Identify prospects and convert leads into new customers.
• Strengthen area business volume through cross-sell efforts and new product ideas.
• Deepen customer relationships by working with credit analysts to improve turnaround times.
• Use technology to improve service efficiency, responsiveness, and customer retention.
• Coordinate with internal teams to process loan applications and support timely disbursement.
• Respond to internal queries and ensure documentation is complete for customer transactions.
• Collect regular market intelligence on competitor strategies, policies, and operating processes.
• Share market learnings with the Area Sales Manager to refine business decisions.
• Review overdue accounts daily and drive timely collections.
• Act early on initial overdue cases to improve recovery outcomes.
• Support profitability through suitable pricing and processing fee decisions.
• Implement cost control measures accurately and on time.
• Follow all process requirements before and after sourcing business.
• Provide MIS inputs to the Area Sales Manager to strengthen reporting and operational performance.

Eligibility and Experience

The preferred qualification is a Master’s degree in Finance, along with 5 to 7 years of relevant experience.

Skills and Competencies

• Business finance understanding
• Loan structuring
• Credit administration
• SME and working capital financing
• Supply chain financing
• Client relationship management
• Sales and business development
• Portfolio monitoring
• Collections and delinquency management
• Market intelligence gathering
• Cross-selling
• Coordination with internal stakeholders
• Documentation and process adherence

Compliance and Fraud Advisory

The company follows equal opportunity principles and does not permit discrimination or harassment on the basis of race, colour, religion, ethnicity, age, gender, disability, or any other protected characteristic. Diversity, equity, and inclusion are embedded in the hiring process, subject to business needs and candidate qualification, skills, and experience.

The company and its member entities do not request or accept money from applicants. Any job offer linked to a service charge, security deposit, processing fee, background verification cost, or similar payment should be treated as fraudulent. Genuine communication will come from the company’s official domain. Candidates should verify email IDs carefully, remain alert to suspicious messages or fake websites and social pages, and report fraudulent activity to the appropriate authorities if needed.