Qureos Mentor

Aditya Birla Capital

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 Job Purpose
 
 
 
 Job Purpose Description
 
 
 
 Business
 
 
 
 Financial Service
 
 
 
 Unit
 
 
 
 ABFL
 
 
 
 Location
 
 
 
 Punjab
 
 
 
 Poornata Position Number of the job
 
 
 
 
 Reports to: Poornata Position Number
 
 
 
 
 Poornata Position Title of the job (30 characters max)
 
 
 
 Regional Sales Head
 
 
 
 Reports to: Poornata Position Title
 
 
 
 Zonal Sales Head, SEG
 
 
 
 Function
 
 
 
 Sales
 
 
 
 Reports to: Function
 
 
 
 Sales
 
 
 
 Department
 
 
 
 EB _Small Enterprises Group
 
 
 
 Reports to: Department
 
 
 
 EB_Small Enterprises Group
 
 
 
 Designation of the Employee
 
 
 
 Regional Sales Head
 
 
 
 Designation of the Manager
 
 
 
 Zonal Sales Head, SEG
 
 
 
 Date of writing/updation of JD
 
 
 
 1-Feb-22
 
 
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 Job Purpose: Write the purpose for which the job exists (in 2-3 lines)
 
 
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 Regional Sales Head leads the SEG business vertical in the Region to ensure achievement of portfolio &amp; bottom line growth targets of the business vertical while minimizing NPAs and achieving targeted return on equity. He/she must develop and manage the area sales as well as the front line sales team to ensure they are motivated, perform to deliver sales targets for the geography.
 
 
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 Dimensions : Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.
 
 
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 Business Workforce Number
 
 
 (Max 254 Characters)
 
 
 Unit Workforce Number
 
 
 (Max 254 Characters)
 
 
 Function Workforce Number
 
 
 (Max 254 Characters)
 
 
 Department Workforce Number
 
 
 (Max 254 Characters)
 
 
 Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter
 
 
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 Job Context &amp; Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/ Function /Department/Section
 
 
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 The regional sales head of the SEG Business leads execution of innovative/ differentiated and innovative strategy for the region/ geography to stay ahead of competition &ndash; banks and other NBFCs.
 
 
 Key challenges for the SEG Business RSH
 
 
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 Scale &amp; distribution: the business is all about retail and distribution. Drive the secured lending segment with an avg 1cr ticket size
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 TAT: is an important criterion for this business &ndash; drive a parametrized lending approval process to cut the lead time for approval until disbursal;
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 Technology: increasing adoption of technology by competition bringing down TAT and cost per customer
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 Pricing: lending rates continue to drop &ndash; stiff competition from banks and NBFCs
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 Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)
 
 
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 Key Result Areas
 
 
 
 Supporting Actions
 
 
 Channel Management- Effectively optimise different types of channel network in Region to ensure meeting of topline &amp; bottom line targets
 
 
 Channel types
 
 
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 Direct Sales Agents
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 Mediators(CAs)
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 Identifies potential channel partners in region
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 Submit evaluations of potential channel partners in region to Zonal Head for approval
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 Negotiates terms of engagement with potential channel partners in lines with business potential
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 Engages with &amp; activates key regional level channel partners while ensuring targeted ROEs for the channel partners
 
 
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 Customer Acquisition/Sourcing- Ensure customers are acquired by selling SEG loans towards meeting topline targets
 
 
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 Sets weekly targets with Area Heads
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 Conducts weekly review of Area Heads
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 Meets key customers as well as channel partners
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 Ensures alignment of cases put up by the channel partners daily within the internal policies /guidelines
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 Negotiates commercial terms
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 Ensures appropriate Funnel management in the Region to ensure adequate conversion from login and disbursement
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 Ensures fulfillment by team of qualified leads provided by connectors, internal sources
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 Implements sales programs, drives program KPIs/ behaviours
 
 
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 Disbursal; Customer Service - Drive timely disbursement of loans to customers with proper documentation and meeting of customer service standards to ensure satisfied customers across Region
 
 
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 Ensures smooth coordination of team with internal stakeholders to process the applications
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 Ensures smooth coordination of team with internal teams and response to their queries to ensure timely &amp; accurate disbursal
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 Takes actions to mitigate possible risks
 
 
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 Market Intelligence-Gather market intelligence towards evolving competitive business strategy, policies &amp; processes
 
 
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 Ensures systematic gathering of market intelligence
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 Ensures geographical/Market expansion in the Region
 
 
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 Portfolio quality; Profitability -Maintain quality of portfolio to minimize NPAs; Implement measures to ensure profitability of Region
 
 
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 Reviews overdue account daily
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 Ensures collaboration with Collection teams for timely collections
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 Leverages opportunities for cross selling within the group
 
 
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 Organisation Process Efficiency-Drive process improvements to ensure process efficiencies in the Region
 
 
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 Collates market level Sales MIS &amp; circulate
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 Participate in internal &amp; external audits and post audits close all open items for the Region and implement actions/process improvements
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 Ensure sharing of best practices among the Area Sales heads
 
 
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 People Management &ndash; Develop a productive team by recruiting, training, motivating and retaining team members
 
 
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 Recruit on a timely basis
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 Implement training plans &amp; mentor team members
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 Complete regular performance reviews and feedback
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 Motivate and ensure retention of team
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 Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)
 
 
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 Regional Sales Head leads the front-line sales team of the SEG business. He/she has to develop and manage the regional team to ensure they are motivated, perform to deliver targets and maintain overall productivity of the team.
 
 
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 Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives
 
 
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 Relationship Type
 
 
 Frequency
 
 
 Nature
 
 
 
 
 Internal
 
 
 
 Zonal Sales Head
 
 
 Team
 
 
 ABG companies
 
 
 Support functions like HR, Fin, Risk, Collections Legal
 
 
 Daily
 
 
 Daily
 
 
 Need basis
 
 
 Need basis
 
 
 Update, Review discussions
 
 
 Lead, Guide, Monitor
 
 
 For cross selling
 
 
 To avail a service Coordinate
 
 
 
 External
 
 
 
 Channel Partners
 
 
 Customers
 
 
 Dealers &amp; vendors of ABG
 
 
 Daily
 
 
 Daily
 
 
 Daily
 
 
 Sourcing business, Review
 
 
 Negotiation, Relationship building
 
 
 Cross selling, lead generation
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Regional Sales Head - SME - SEG

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 Implementation and coverage of training architecture to ensure desired learning to happen
 
 
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 Conduct all training programs as per architecture for employees
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 Conduct variety of training programs as per varied and periodic need of distributors
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 Ensure timely updates in STMS for right record keeping
 
 
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 Support sales team in building engagement &amp; mind share with distributors
 
 
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 Engage with distributors to identify gaps &amp; opportunities. Link them with BSLI objectives and provide learning interventions to build mind share
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 Support with insights on competitive products
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 Ensure timely updates in STMS for record keeping
 
 
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 Product launches
 
 
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 Ensure product launches with speed and accuracy to build understanding and enthusiasm around new products
 
 
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 Focus constantly on Self development and invest in skill enhancement.
 
 
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 E learning course of Aditya Disha per quarter
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 Initiate professional course as part of role development and complete them on timely basis
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 Participate in Projects (if any) assigned and undertaken by the TPD training team
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RTM_HDFC BB_Jalandhar

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 Key Responsibilities
 
 
 
 
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 Design, develop, and implement training programs for sales professionals (new hires and existing staff).
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 Conduct training needs analysis (TNA) in coordination with sales leadership and business heads.
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 Deliver engaging classroom, virtual, and on-the-job training sessions.
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 Build product knowledge, selling skills, objection handling, and customer relationship management capability.
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 Develop training materials, manuals, e-learning modules, and assessments.
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 Monitor and evaluate the effectiveness of training programs through assessments, feedback, and performance tracking.
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 Support sales managers with coaching interventions for underperforming team members.
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RTM - HDFC BB - Haryana

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 Job Description
 
 
 
 This job is provided by apna.co Job description
 
 
 Aditya Birla Capita Ltd is looking for 'Relationship Officer' at Patiala (Punjab) Location
 
 
 Name of company - Aditya Birla Capital Ltd
 
 
 Role - Relationship Officer
 
 
 Location - Chandigarh (Punjab)
 
 
 Product - Loan Against Property (Secured Loan)
 
 
 Compensation - Fixed CTC + Incentives
 
 
 Main responsibilities.
 
 
 Lead Generation - Identify potential clients (retail client, business owner etc.) needing loans by conducting cold calls, field visits, and networking etc. Partner with local businesses, associations, and other lead sources.
 
 
 Client Assessment - Collect and review financial documents (bank statements, ITR, GST returns, etc.). Evaluate the creditworthiness of applicants.
 
 
 Loan Processing - Coordinate with internal teams (credit, legal, operations) for approval.
 
 
 Relationship Management - Maintain relationships with existing borrowers and also provide post-disbursement support and resolve customer issues. Upsell/cross-sell other financial products when appropriate.
 
 
 Market &amp; Product Knowledge - Understand different types of business loan products (secured, unsecured, LAP etc.)
 
 
 Role: Direct Sales Executive &amp; Relationship Officer
 
 
 Industry Type- NBFC
 
 
 Department- Sales &amp; Business Development
 
 
 Employment Type- Full Time
 
 
 Role Category- Retail &amp; B2C Sales
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Relationship Officer

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 Cross Sales and S2S : Driving Sales in volumes for the organization on LI , HI , Loans and other products of ABC
 
 
 Supervise and monitor daily workflow of the assigned branches to ensure speedy and error free issuance
 
 
 Smooth functioning of financial processing including receipting and payment processing as per the laid down processes
 
 
 Quality customer service and enhancing persistency levels in a dynamic business environment with frequent regulatory changes through a geographically scattered team.
 
 
 Control risks &amp; revenue loss in operational and financial processes and take corrective action.
 
 
 New business Policy Issuance Servicing Revenue Generation Revenue Conservation &amp; Financial Process Control
 
 
 New business Policy Issuance Servicing Revenue Generation Revenue Conservation &amp; Financial Process Control
 
 
 Customer Service-Revenue Conservation &amp; Generation
 
 
 MIS management and dissemination for ops &amp; accounts and Ensure compliance with all operations and financial processes
 
 
 Customer Contactibility &amp; Persistency
 
 
 People Management-HR Process Control for Joining &amp; Exit-Admin/ front office and sales support activities for branches which have only one BOE and no Sales Support Executive.
 
 
 Requirement
 
 
 Good verbal and written English communication
 
 
 Good knowledge of MS Office(Outlook, MS Excel, PPT and Word)
 
 
 Minimum 1-2 years experience in handling backend operations/ customer operations
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Customer Service Executive Greater Noida