Senior Relationship Manager - Mid Market - Chennai

Role overview

This position is for a Relationship Manager / Senior Relationship Manager in the Mid-Market & Supply Chain team at Aditya Birla Finance Limited, part of Aditya Birla Capital. The role focuses on supporting financing solutions for SME working capital and supply chain needs through tailored products across short-, medium- and long-term tenures.

About the organization

Aditya Birla Capital Limited is the holding company for the financial services businesses of the Aditya Birla Group. Through its subsidiaries and joint ventures, it serves customers across protection, investment and financing needs. The group operates at scale with more than 38,000 employees, a nationwide network of over 1,300 branches, more than 200,000 agents/channel partners, and multiple banking partners.

Aditya Birla Finance Limited is one of India’s established non-banking financial services companies, offering solutions in personal finance, mortgage finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication.

Role details

Business: Aditya Birla Capital
Unit: Aditya Birla Finance Limited
Location: Mumbai
Department: Mid-Market & Supply Chain

Ideal candidate profile

The organization looks for people who reflect its core values of speed, passion, integrity, seamlessness and commitment. The role suits professionals who can take ownership, build durable networks, and perform well in a challenging, relationship-driven environment.

Eligibility criteria

Applicants should hold a master’s degree in finance and bring 5 to 7 years of relevant experience. The position calls for strong commercial awareness, customer relationship ability, and a solid grasp of lending and credit practices.

Key responsibilities

The role is centered on driving business growth, managing client relationships, maintaining portfolio quality, and ensuring efficient loan processing.

• Build and advance the sales funnel to meet targets for book size and market share.
• Track local market movements and competitor activity to identify expansion opportunities.
• Reduce customer churn by staying closely engaged with clients.
• Develop business through regular networking with investment bankers, chartered accountants and brokers.
• Escalate delinquent accounts and possible NPAs promptly and support collection efforts.
• Monitor major accounts for business health and early warning indicators of stress.
• Acquire new customers by identifying leads and converting them effectively.
• Grow business volume through cross-sell initiatives and fresh product ideas.
• Improve turnaround times by working closely with Credit Analysts and other internal teams.
• Use technology to improve efficiency, responsiveness and customer retention.
• Coordinate loan processing with internal stakeholders and resolve queries for timely disbursal.
• Ensure customer transactions are completed with the correct documentation.
• Collect market intelligence on competitor strategies, policies and operating practices.
• Share market insights with the Area Sales Manager to fine-tune sales strategy.
• Review overdue accounts daily and push collections in a timely manner.
• Act early on initial overdue accounts to protect portfolio health.
• Support profitability through correct pricing, fees and cost control measures.
• Follow all pre-sourcing and post-sourcing processes consistently.
• Contribute inputs for Sales MIS and process improvement to the Area Sales Manager.

Skills and competencies

Success in this role requires strong knowledge of business finance, loan structuring and credit administration, along with a good understanding of local markets, industries and customer preferences. The candidate should be able to balance sales growth with portfolio risk and relationship management.

• Business finance and credit analysis
• Loan structuring
• Portfolio monitoring
• Collections management
• Customer relationship management
• Market intelligence and competitor analysis
• Sales pipeline management
• Cross-selling
• Stakeholder coordination
• Documentation and disbursal processes
• Process compliance
• Analytical thinking

Additional information

The business area is responsible for financing SME working capital and supply chain requirements using customized lending products with different tenures. The success metrics for the role include loan book size, profitability and maintaining very low delinquency.

The company emphasizes strong portfolio selection, effective pre-screening to reduce NPA risk, and active post-sanction monitoring. Safeguarding disbursed amounts through client engagement and collateral oversight is also an important part of the role.

Culture and values

The company highlights a culture built around speed, passion, integrity, seamlessness and commitment. Candidates are expected to demonstrate ownership, resilience, and the ability to build trusted relationships.

Fraud awareness and equal opportunity

The organization states that it provides equal employment opportunity and does not discriminate on the basis of race, colour, religion, ethnicity, age, gender, disability or other legally protected characteristics. Diversity, equity and inclusion are part of its hiring approach, aligned with business requirements and the candidate’s qualifications, skills and experience.

It also warns job seekers not to pay any money for employment, interviews, background verification, processing fees or security deposits. Genuine communication will come from the company’s official domain, and applicants are advised to stay alert to fake emails, websites, social pages and other fraudulent offers. Any request for payment or personal details in suspicious circumstances should be treated with caution.