Senior Relationship Manager - Mid Market - Jaipur

About the Company

Aditya Birla Capital Limited is the parent company for the group’s financial services portfolio. Through its subsidiaries and joint ventures, it serves customers across protection, investment, and financing needs. The organisation has a wide national footprint, supported by more than 38,000 employees, over 1,300 branches, 2,00,000+ agents/channel partners, and multiple banking partners.

Aditya Birla Finance Limited, a subsidiary of Aditya Birla Capital Limited, is one of India’s established diversified non-banking financial services companies. Its offerings span 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 within the Mid-Market & Supply Chain function. The role focuses on building business in SME lending and supply chain finance, strengthening customer relationships, and ensuring healthy portfolio performance.

What the Role Requires

The function supports short-term, medium-term, and long-term working capital and supply chain financing requirements through customised lending products. Success in the role is measured by loan book growth, profitability, and maintaining a strict no-tolerance approach toward delinquency.

To perform well, the incumbent should bring a solid grasp of business finance, loan structuring, and credit administration. A strong understanding of the local market, including industries, trades, occupations, and regional financial preferences, is important for building credibility, structuring suitable loans, and identifying new business opportunities.

Key Responsibilities

• Build the sales funnel to grow the loan book and expand market share in the assigned territory.
• Study local market movements and competitor offerings to spot opportunities for business growth.
• Reduce customer churn by maintaining regular and meaningful client engagement.
• Develop business through regular interaction with investment bankers, chartered accountants, and brokers.
• Escalate delinquent accounts and potential NPAs promptly, while closely tracking recovery actions.
• Monitor key accounts to identify early warning signals related to portfolio stress or asset quality.
• Acquire new customers through lead identification and conversion-focused outreach.
• Improve business volume through cross-sell activity and relevant product solutions.
• Strengthen customer relationships by working with Credit Analysts to reduce turnaround time.
• Use technology to improve service responsiveness and operational efficiency.
• Support smooth loan disbursal by coordinating with internal teams and ensuring complete documentation.
• Address queries from internal stakeholders so applications move through the process accurately and on time.
• Collect and share market intelligence on competitor strategies, policies, and operating methods.
• Report market insights to the Area Sales Manager to support tactical business decisions.
• Track overdue accounts on a daily basis and ensure recovery actions are taken in time.
• Act early on initial delinquent accounts to support timely collections.
• Work toward profitability through suitable pricing, fees, and cost-control measures.
• Follow all pre-sourcing and post-sourcing process requirements consistently.
• Share inputs for Sales MIS to improve reporting quality and operational execution.

Skills and Competencies

• Business finance and commercial lending knowledge
• Loan structuring and credit evaluation
• Portfolio monitoring and delinquency management
• Local market intelligence and competitor analysis
• Relationship management and client acquisition
• Cross-selling and business development
• Coordination with credit and operations teams
• Documentation and disbursal process handling
• Analytical thinking and commercial judgement
• Recovery follow-up and NPA risk control
• Use of technology for process efficiency

Eligibility

Applicants should hold a Master’s degree in Finance and have 5 to 7 years of relevant experience.

Important Notes

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 other protected characteristics. Diversity, Equity, and Inclusion are part of the hiring approach, subject to business requirements and candidate suitability.

The organisation does not ask for or accept any payment from job seekers. Any offer linked to a service charge, security deposit, processing fee, background verification fee, or similar payment should be treated as fraudulent. Genuine communication will come only from the company’s official domain. Candidates should verify email addresses carefully and remain cautious of suspicious URLs, fake pages, and messages requesting personal details.

If a candidate receives or accepts a fraudulent offer involving payment, the company and its member entities will not be responsible for any resulting consequences. The organisation reserves the right to take appropriate action where required.

Company Values

The ideal candidate should align with the organisation’s core values of Speed, Passion, Integrity, Seamlessness, and Commitment, and should be comfortable working in a performance-driven environment that values strong networks, ownership, and teamwork.