Qureos Mentor

Aditya Birla Capital

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 The role is responsible for setting up the framework for distribution of ABG products to Category A corporates with existing relationships under the ABG umbrella as well as identified large corporates, while actively driving business vertical management and implementing initiatives around sales processes, productivity, distribution scale-up, activation, and incentive drives. The role holder should demonstrate strong problem-solving, execution, and analytical abilities. Key responsibilities include building and implementing corporate channel strategies, evaluating profitability and creating future roadmaps, and designing RnR, incentive, salary structures, and contests to maintain P&amp;L profitability. The position also involves establishing low-touch processes for faster customer onboarding, aligning field adoption with overall strategy, and managing change across large-scale distributions. In addition, the individual will engage with senior sales stakeholders to drive buy-in for strategic programs, monitor industry and market trends, and build actionable plans to achieve GMV and revenue targets across assigned accounts. Detailed account mapping of the allocated accounts is an important part of the job role
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Strategic Accounts Manager - ABG Ecosystem

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 Job Purpose
 
 
 
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 Conducting Financial Awareness workshops in designated geographies
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 Design and deliver learning interventions to create responsible and purpose driven partners
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 Joint field work with the onboarded Business Partners to close on prospective lead
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 Create innovative content for the variable resource to be aware of the features of products
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 Responsible for ensuring no mis selling happens on the field
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 Provide constructive feedback to create positive reinforcement in the variable workforce
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 </ul>
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Sales Coach New Delhi

<div>
 
 Role Summary:
 
 To lead the development, governance, and execution of content strategies across Aditya Birla Capital Digital&rsquo;s digital and physical customer touchpoints. The role ensures all customer communications are clear, consistent, and aligned with brand and regulatory standards. The Content Manager will work closely with the Consent Management &amp; Customer Experience team to ensure all communication adheres to data privacy norms and consent protocols while enhancing customer engagement and trust.
 
 
 
 Key Challenges for the Role
 
 
 
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 Content Compliance &amp; Collaboration: Ensuring all communication aligns with brand guidelines, data privacy laws, and customer consent preferences through close coordination with the Consent Management team.
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 Multi-Channel Consistency: Managing tone, messaging, and accuracy across diverse channels &mdash; app, email, SMS, website, and physical touchpoints &mdash; while maintaining a unified customer experience.
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 Speed &amp; Agility: Enabling faster content delivery for business teams without compromising compliance or quality.
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 Governance &amp; Measurement: Implementing review and approval processes to maintain high standards, and tracking communication effectiveness through engagement metrics.
 
 
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 </ul>
 
 KPI
 
 
 
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 Content Strategy &amp; Governance - Develop and implement a content governance framework ensuring accuracy, compliance, and brand alignment across all customer-facing communication.
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 Cross-Functional Collaboration - Partner with the Consent Management &amp; Customer Experience team to ensure all communications meet data privacy and consent requirements. Work with Product, Marketing, and Legal for seamless alignment.
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 Content Creation &amp; Delivery - Oversee the development of customer communication for digital channels (SMS, email, in-app, website). Ensure clarity, accessibility, and tone alignment with brand voice.
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 Measurement &amp; Optimization - Track engagement and performance of communications, conduct A/B tests, and provide insights for improvement. Maintain a repository of approved content and templates.
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 Training &amp; Awareness - Conduct content compliance workshops with business and product teams to ensure awareness of brand and regulatory standards.
 
 
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 </ul>
 
 Relationships with stakeholders
 
 
 
 
 Internal
 
 
 
 <ul>
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 Consent Management &amp; Customer Experience Team: Weekly - Collaborate on ensuring customer communication complies with consent and privacy regulations, co-develop customer education messages on data usage, and support audit readiness.
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 Product, Marketing, and Legal Teams : Weekly - Coordinate on campaign content, ensure brand consistency, and align messaging with business goals and compliance guidelines.
 
 
 </li>
 </ul>
 
 External
 
 
 
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 Creative Agencies / Vendors - As required - Manage creative content development, ensure adherence to tone and regulatory norms, and maintain timelines for campaign execution. Align field execution with strategic priorities and business goals through clear accountability frameworks.
 </li>
 </ul>
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Content Governance Manager

<div>
 
 
 Job Purpose
 
 
 
 
 Job Purpose Description
 
 
 
 
 Job Purpose
 
 
 
 
 To derive Insurance Business from assigned Relationship/Channel partner in an area or zone, to convince the relationship so they can convince their customer to invest in Birla Sunlife Insurance. To ensure all the pre and post sales support and services to the relationship as well as to the clients along with the team dedicated to the relationship. Ensure not only achieving the target but also to make sure there is a consistent growth in the business every quarter.
 
 
 
 Job Context &amp; Major Challenges
 
 
 
 Job Context: To derive Insurance Business from assigned Relationship/Channel partner in an area or zone, to convince the relationship so they can convince their customer to invest in Birla Sunlife Insurance. To ensure all the pre and post sales support and services to the relationship as well as to the clients along with the team dedicated to the relationship. Ensure not only achieving the target but also to make sure there is a consistent growth in the business every quarter.
 
 
 Job Challenges:
 
 
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 Market Volatility as BSLI predominantly sell unit linked policies
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 High dependency on HDFC Branch Banking Model in Open Architecture who may have their own priorities so alignment is the key.
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 Balancing between the process requirement and expectations of the Channel partners
 
 
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 </ul>
 
 Key Result Areas
 
 
 
 
 KRA (Accountabilities) (Max 1325 Characters)
 
 
 Supporting Actions (Max 1325 Characters)
 
 
 
 KRA1 Achieve Targets (Premium &amp; Revenue) in order to contribute in overall growth of the company 1. Continuous interaction with the channel partners ( Multiple Branch Heads of the Bank)
 
 
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 Mapping all the key decision makers and ensuring that the same information is shared with the RH/ZH
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 Aggressively downloading all the RnR activities running by the organisation.
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 Create Innovative ways to have Branch Activities to increase the customer penetration
 
 
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 </ul>
 KRA2 Executes smooth function of the sales and other processes in order to maximise business potential. 1. Communicate any process change or change in any rules and regulations by the help of different training module.
 
 
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 Ensure that actual sales and service aspects including sales calls, issuance and complaint handling are carried out without any blocks
 
 
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 </ul>
 KRA3 Relation Ship Management: Open Architecture 1. To Handle Bank customers requirements with the best services and products ranges
 
 
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 To be equipped with insurance and Bank Products knowledge
 
 
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 </ul>
 To manage the relationship at all the levels to have the desire out-puts.
 
 
 KRA4 Building new business opportunities within the allocated area/relationships in order to maximise the productivity / Top Line 1. Identify innovative methods working with the relationship to enhance penetration of the database
 
 
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 FLS Review Mechanism to have 40% Activation with 2 Case / Active @ 50K ATS to be focused
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 Ensure Product Mix - Trad 50% : ULIP 40% : Term 10%
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 15% Business More than TATA Provide inputs for new products &amp; Sales Pitch, basis an in-depth understanding of Channel needs
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 Identify training needs for the in-house and channel partner team
 
 
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 KRA5 Execute the right method of business acquisition in order get the profitable mix for the organisation 1. Scrutinise the business on regular basis and give the relevant information to superiors
 
 
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 Interact with the customers through welcome calls
 
 
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 KRA6 Achieve Persistency targets as per the company norms so that renewals take place on time 1. Communicate with customers and
 
 
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 resolve queries as and when required to ensure that renewal takes place on time
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 </ul>
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Cluster Manager_IDFC Bank

<div>
 
 Job Purpose
 
 
 
 To lead the assigned branch by effective planning &amp; management of resources and ensuring achievement of agreed business targets through effective sales strategies to help the branch lead in terms of market share and brand equity in a cost effective manner.
 
 
 
 Major Challenges
 
 
 
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 Plan sales strategies and achieve branch business targets in terms of number of agents productivity new premium persistency of business
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 Promote productivity of the field force through effective people management.
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 Ensuring persistency of the business in order to ensure enhance business goals
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 Inculcate a culture of financial discipline in the branch to have well control on revenue
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 Ensure 100 % compliance in order to smooth running of the operation and enhance the productivity in the assigned branch.
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 Drive sales promotional activities in order to achieve the business numbers.
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 Recommend product and process improvement to the company to enhance efficiencies and customer satisfaction.
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 Ensure effective administration of the branch to sustain smooth functioning and operations in a cost effective way
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 </ul>
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Branch Head_Rewari_Agency

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 Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD
 
 
 
 
 Business
 
 
 
 
 Aditya Birla Finance Ltd
 
 
 
 
 Unit
 
 
 
 
 Aditya Birla Finance Ltd
 
 
 
 
 Location
 
 
 
 Multiple Location
 
 
 
 Poornata Position Number of the job
 
 
 
 
 Reports to: Poornata Position Number
 
 
 
 
 Poornata Position Title of the job (30 characters max)
 
 
 
 
 Area Sales Manager
 
 
 
 
 Reports to: Poornata Position Title
 
 
 
 
 Function
 
 
 
 Sales-SLS
 
 
 
 Reports to: Function
 
 
 
 
 Department
 
 
 
 BGFRLSTUL-Retail Lending &ndash; STUL
 
 
 
 Reports to: Department
 
 
 
 
 Designation of the Employee
 
 
 
 Area Sales Manager
 
 
 
 Designation of the Manager
 
 
 
 
 Date of writing/updation of JD
 
 
 
 09 th May 2022
 
 
 <ul>
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 Job Purpose : Write the purpose for which the job exists (in 2-3 lines) ( Max 1325 Characters)
 
 
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 </ul>
 
 The Purpose Of This Job Is:
 
 
 
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 To deliver on area/ local strategy for the Unsecured Business segment in terms of target segments, strengthening existing relationships and setting up new channels for market penetration, and work towards achievement of sales targets and operational plans.
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 To proactively address customer/ DSA issues and escalate cases (e.g. fraud alerts, customer complaints or exception handling) as required for smooth operations; work on removal of bottlenecks for the achievement of targets for Unsecured Business segment at the area/ local level
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 To grow the penetration of the business by actively partnering, negotiating and building relationships with the DSA network, and directing and building the capability of SMs (if any assigned)
 
 
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 </ul>
 To take ownership for end to end Unsecured business transactions in assigned area of coverage, with efficient internal operations for superior product delivery and credit quality of new acquisitions with compliant sales operations &amp; coordination with Risk team
 
 
 <ul>
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 Di mensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.
 
 
 </li>
 </ul>
 Business Workforce Number
 
 
 (Max 254 Characters)
 
 
 
 Investing &amp; Financing
 
 
 
 Unit Workforce Number
 
 
 (Max 254 Characters)
 
 
 
 Business Development of lending products
 
 
 
 Function Workforce Number
 
 
 (Max 254 Characters)
 
 
 
 Expected to sell the retail products like PL/BL/STLS/STUL/THE
 
 
 
 Department Workforce Number
 
 
 (Max 254 Characters)
 
 
 
 Sales of Retail loans &ndash; PL/BL/STSL/STUL/THE
 
 
 
 Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter
 
 
 
 Managing a team of Sales force of PL/BL/STSL/STUL/THE
 
 
 
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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 ( (Max 3975 Characters)
 
 
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 </ul>
 
 Organizational Context
 
 
 
 
 Key Aspects:
 
 
 
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 As the debt arm of Aditya Birla Capital (ABC), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, ABFL has made significant progress and the Company&rsquo;s balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs.
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 The company has a well-defined vision of being one of the most reputed and material financiers within the lending space &ndash; spread across Retail HNI and corporate clientele. It has made significant investments in process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all business processes. Spread across 18 cities, it plans on further diversifying its risk and revenue mix through expansion into new geographies and new product segments allowing customers a one-window shop for all their financing needs.
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 Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has ventured into Unsecured Business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield and profit segment.
 
 
 </li>
 </ul>
 
 Job Context
 
 
 
 
 Key Aspects:
 
 
 
 <ul>
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 The Unsecured Business segment products line caters to funding short term and medium term working capital needs of Small Businesses and individuals, via a suite of customized short and long tenured products, without any security/ collateral.
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 Offerings comprise unsecured loans to salaried individuals/ self-employed individuals/ non-individual entities, with end use of funds (Medical emergency, Marriage, working capital requirement, business expansion etc.) to be ascertained during the loan appraisal process
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 The business is highly retail in nature, characterized by high transaction volumes, smaller ticket sizes, and significantly higher spread and profit margins (up to four times that of Secured Lending products)
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 Given the unsecured nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times
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 While unit of sizing up the business is its loan book size, profitability and minimized delinquency are key business objectives.
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 Lending in the Unsecured segment takes 2 forms &ndash; Personal Loans and Business Loans, both of which leverage the ABG ecosystem and channel partners for the major share of business.
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 Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to customers
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 Understanding of product market characteristics such as channel relationship management, region specific occupations/trade, local financial preferences and practices are important to gain competitive advantage while structuring loans and identifying leads.
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 The Area Sales Manager &ndash; Unsecured Business is responsible for operationalizing business transactions and liaises with DSAs and/ or end customers in his/her zone to maximize disbursals, profit, growth &amp; customer service objectives.
 
 
 </li>
 </ul>
 
 Key Challenges
 
 
 
 <ul>
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 To deliver on operational plan in the assigned coverage area in a differentiated manner considering local factors, channel dynamics and consumer preferences, that can withstand competitive pressures on the ground
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 To grow the business while remaining cognizant of competitive realities in the following areas:
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 Market linked product
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 Market average IRR &amp; processing fee levels
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 Market average DSA payouts
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 To originate and increase market share in assigned coverage area against stiff competition, overcoming competitive pressures borne out of better established networks, price undercutting, etc.
 </li>
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 To establish a strong local network and leverage the same to generate business leads, and also identify opportunities for cross sell with existing customers
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 To proactively build new and nurture existing DSA relationships keeping in mind immediate and longer term business interests, and considering the phased manner of team size expansion
 </li>
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 To constantly upgrade financial &amp; operational know how of self and team members on efficient loan processing, effective negotiation and relationship building for maintaining credibility with DSA network and profitable target achievement
 </li>
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 To keep abreast with the latest market trends and local market preferences and needs
 </li>
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 To ensure loan conversion/ sanction/ utilization percentages are high and a broad enough sourcing funnel is built to meet targets
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 To ensure credit quality and effective portfolio selection/pre screening thereby minimizing potential NPAs
 </li>
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 To ensure compliant sales operations despite sales pressures and market cycles
 
 
 </li>
 </ul>
 
 
 Enabling Skill Sets &amp; Qualifications
 
 
 
 
 <ul>
 <li>
 Critical skill sets required to meet these challenges include execution excellence, business &amp; commercial acumen, sound product understanding, excellent communication and influencing skills.
 
 
 </li>
 </ul>
 Education &amp; experience required to fulfil this profile are a postgraduate with minimum 8 - 10 yrs of total sales experience of which at least recent 4-5 yrs experience should be in unsecured lending.
 
 
 <ul>
 <li>
 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)- Maximum 10 KRAs can be updated
 
 
 </li>
 </ul>
 
 Key Result Areas (
 
 
 Max 1325 Characters)
 
 
 
 Supporting Actions ( Max 1325 Characters)
 
 
 Sales Growth &amp; Client Acquisition
 
 
 <ul>
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 Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition
 </li>
 <li>
 Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business
 </li>
 <li>
 Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes
 </li>
 <li>
 Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline
 </li>
 <li>
 Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base
 </li>
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 Track &amp; report on sales operations and productivity metrics, and work towards building a high-performance sales culture
 </li>
 <li>
 Actively participate in initiatives and contests driven by Business Development teams
 
 
 </li>
 </ul>
 Operational Effectiveness
 
 
 <ul>
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 Work with dual focus on sales volume and value (IRR) through the team
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 Track &amp; ensure SLA adherence, sales efficiencies and RoI
 </li>
 <li>
 Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well
 </li>
 <li>
 Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM as well as down the line
 </li>
 <li>
 Job Purpose of Direct Reports : Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report)
 
 
 </li>
 </ul>
 
 Sales Managers &ndash; Unsecured Business ( if any)
 
 
 
 Responsible for building the book size for own area of coverage and developing the Unsecured segment with a robust, balanced portfolio in line with assigned targets; to devise &amp; execute operational tactics for effective DSA engagement, market share enhancement and achievement of business objectives; to work closely with Area Sales Manager and Zonal Head, and operationalize end to end Unsecured lending transactions with superior product delivery while ensuring credit quality of new acquisitions
 
 
 <ul>
 <li>
 Relationship s: 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
 
 
 </li>
 </ul>
 
 Relationship Type ( Max 80 Characters)
 
 
 Frequency
 
 
 Nature ( Max 1325 Characters)
 
 
 
 
 Internal
 
 
 
 ZSM - Unsecured
 
 
 Reporting SMs &ndash; Unsecured (If any)
 
 
 HR dept
 
 
 IT dept
 
 
 Risk dept
 
 
 Operations dept
 
 
 Weekly
 
 
 Daily
 
 
 &lsquo;
 
 
 Need Based/ Process Driven
 
 
 Need Based
 
 
 Daily
 
 
 Daily
 
 
 Business MIS, review on new market development, progress on objectives, client escalations
 
 
 Reviewing &amp; driving channel expansion, sales strategies, client escalation cases
 
 
 Performance Reviews, Training
 
 
 Back-end/ systems support
 
 
 Proposal evaluations, portfolio monitoring
 
 
 Client servicing issues, TAT reviews
 
 
 
 External
 
 
 
 Existing and Prospective customers
 
 
 Channel partners (DSAs)
 
 
 Daily/ Need Based
 
 
 Daily
 
 
 CRM &amp; understanding the need of new products/ positioning changes
 
 
 Product and business development initiatives
 
 
 <ul>
 <li>
 Organizational Relationships : Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position.
 
 
 </li>
 </ul>
 
 SIGN-OFF : Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record.
 
 
 
 
 Job Holder
 
 
 
 
 Reports to &ndash; Manager
 
 
 
 Name
 
 
 Signature (needed for the hard copy)
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Area Sales Manager - STUL - Hubli

Area Sales Head - SME Tier 1 - Bangalore

Join Aditya Birla Capital and explore 10   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.