Qureos Mentor

Aditya Birla Group

<div><div><div><div><div><div><p>Retail
</p><p>Senior Key Relationship Officer- Retail-Bhopal</p>
<p>Location: MP22, Bhopal</p><p></p><div><div><br>
</div></div></div></div><div></div><div><div><div>Job Context &amp; Major Challenges</div><div>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</div><ul><p>
ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015.</p><p>
The ABHFL Sales organization works broadly with 3 customer segments &ndash; retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self employed, with both of these having very different preferences and needs.</p></ul><div>
Job Context</div><div>
Key Aspects:</div><ul><p>
Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.</p><p>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</p><p>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</p><p>
For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability</p><p>
For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage</p><p>
The (Sr.) Sales Officer (Direct) &ndash; ABHFL is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and AH (Sales), in terms of targeted book size, growth &amp; customer service objectives.</p></ul><div>
Key Challenges</div><ul><p>
To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc.</p><p>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</p></ul><div>
3) Job Context &amp; Major Challenges</div><div>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</div><div>
required</div><ul><p>
To upgrade financial &amp; operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability</p><p>
To check credit quality via effective portfolio selection/ pre screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations</p><p>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</p></ul><div>
Enabling Skill Sets &amp; Qualifications</div><ul><p>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</p><p>
Education &amp; experience required to fulfil this profile are a graduate with 0 - 2 yrs (3 &ndash; 4 yrs for Sr. Sales Officer) of sales experience in the Banking/ NBFC space.</p></ul><div>
4) Principal Accountabilities</div><div>
Accountability/ Supporting Actions</div><div>
Sales Planning &amp; Operations</div><ul><p>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</p><p>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</p><p>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</p></ul><div>
Customer Acquisition/ Engagement</div><ul><p>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</p><p>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</p><p>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</p></ul><div>
Operational Effectiveness
</div><ul><p>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</p><p>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</p><p>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</p></ul><div>
Self Development &amp; Internal Stakeholder
</div><ul><p>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</p><p>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</p></ul><div>
Management
</div><div><div>Portfolio &amp; Risk Management</div></div><ul><p>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</p><p>
Ensure compliant sales operations and sound risk management in day-to-day operations</p><p>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</p></ul><div></div>
</div><div><div><p>Minimum Experience Level</p>
<div><div>0 - 4 years</div></div>
</div><div></div><div><p>Job Qualifications</p>
<div></div><div><div><b>Job Context &amp; Major Challenges</b></div><div><b>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</b></div><ul><p><b>
ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015.</b></p><p><b>
The ABHFL Sales organization works broadly with 3 customer segments &ndash; retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self employed, with both of these having very different preferences and needs.</b></p></ul><div>
Job Context</div><div><b>
Key Aspects:</b></div><ul><p><b>
Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.</b></p><p><b>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</b></p><p><b>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</b></p><p><b>
For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability</b></p><p><b>
For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage</b></p><p><b>
The (Sr.) Sales Officer (Direct) &ndash; ABHFL is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and AH (Sales), in terms of targeted book size, growth &amp; customer service objectives.</b></p></ul><div><b>
Key Challenges</b></div><ul><p><b>
To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc.</b></p><p><b>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</b></p></ul><div><b>
3) Job Context &amp; Major Challenges</b></div><div><b>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</b></div><div><b>
required</b></div><ul><p><b>
To upgrade financial &amp; operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability</b></p><p><b>
To check credit quality via effective portfolio selection/ pre screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations</b></p><p><b>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</b></p></ul><div><b>
Enabling Skill Sets &amp; Qualifications</b></div><ul><p><b>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</b></p><p><b>
Education &amp; experience required to fulfil this profile are a graduate with 0 - 2 yrs (3 &ndash; 4 yrs for Sr. Sales Officer) of sales experience in the Banking/ NBFC space.</b></p></ul><div><b>
4) Principal Accountabilities</b></div><div><b>
Accountability/ Supporting Actions</b></div><div><b>
Sales Planning &amp; Operations</b></div><ul><p><b>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</b></p><p><b>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</b></p><p><b>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</b></p></ul><div><b>
Customer Acquisition/ Engagement</b></div><ul><p><b>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</b></p><p><b>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</b></p><p><b>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</b></p></ul><div><b>
Operational Effectiveness
</b></div><ul><p><b>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</b></p><p><b>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</b></p><p><b>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</b></p></ul><div><b>
Self Development &amp; Internal Stakeholder
</b></div><ul><p><b>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</b></p><p><b>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</b></p></ul><div><b>
Management
</b></div><div><div><b>Portfolio &amp; Risk Management</b></div></div><ul><p><b>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</b></p><p><b>
Ensure compliant sales operations and sound risk management in day-to-day operations</b></p><p><b>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</b></p></ul></div></div></div></div></div></div></div></div><div></div>

Senior Key Relationship Officer- Retail-Bhopal

<div></div><div><div><div>JD For Agency Manager - Direct Sales Force</div><div>
Designation: Agency Manager</div><div>
Education: Any Graduates</div><div>
Experience: Fresher with Good network / Min. 1 Year in any Domain Sales with current company</div><div>
Roles &amp; Responsibilities:</div><div><div>
To recruit good quality prospective insurance advisors / agents and ensure that they are acquiring IRDA licensing in order to achieve the sales target set by the company.</div><div>
Motivating the advisors / agents to achieve the sales target set by the company.</div><div>
Provide on the job training and manage &amp; monitor performance of the advisors / agents on financial planning with the clients / customers</div><div>
Update knowledge about financial markets and latest trends in life insurance industry.</div><div>
Conduct advisor / agent engagement activities during the week to motivate and train advisors / agent</div><div>
Conduct rewards and recognition program for advisors / agents monthly, Quarterly and Annually.</div><div>
Motivate advisors to visit the branch and create branch engagement, visiting advisors at home / office to do prospecting and there by initiating the client meeting.</div><div>
Relationship management with stake holders.</div><div>
Maintain persistence for the policies procured by the team of advisors/ agents to achieve overall profitability of the team.</div><div>
Providing proper customer service and assist agents / advisors / clients / customers in claim settlement</div></div><div></div>
</div><div><div><p>Minimum Experience Level</p>
<div><div>0 - 4 years</div></div>
</div><div></div><div><p>Job Qualifications</p></div></div></div><div></div>

Senior Agency Manager

<div></div><div><div><div>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)</div><div>
Organizational Context</div><div>
Key Aspects:</div><ul><p>
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&acirc;&#128;&#153;s balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs.</p><p>
The company has a well-defined vision of being one of the most reputed and material financiers within the lending space &acirc;&#128;&#147; 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.</p><p>
Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has ventured into Secured Micro Loan Business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield and profit segment.</p></ul><div>
Job Context</div><div>
Key Aspects:</div><ul><p>
The Secured Micro Loan Business segment product 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, with collateral.</p><p>
Offerings comprise Secured Micro Loan to self-employed individuals/ non-individual entities, with end use of funds (Working capital requirement, business expansion etc.) to be ascertained during the loan appraisal process.</p><p>
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)</p><p>
Given the Secured Micro Loan nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times</p><p>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are key business objectives.</p><p>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to customers</p><p>
Understanding of product market characteristics such as connector relationship management, region specific occupations/trade, local financial preferences and practices are important to gain competitive advantage while structuring loans and identifying leads.</p><p>
The RO/RM &acirc;&#128;&#147; ABFL is responsible for achieving sales targets as agreed with the Area Head (Sales) &acirc;&#128;&#147; ABFL, in terms of targeted book size, profitability, growth &amp; customer service objectives.</p></ul><div>
Job Context &amp; Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the job holder in the context of the Business/Unit/Function/Department/Section (Max 3975 Characters)</div><div>
Key Challenges</div><ul><p>
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</p><p>
To grow the business while remaining cognizant of competitive realities in the following areas:</p></ul><div><div>
Market linked product</div><div>
Market average IRR &amp; processing fee levels</div></div><ul><p>
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.</p><p>
To establish a strong local network and leverage the same to generate business leads, and also identify opportunities for cross sell with existing customers</p><p>
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 and profitable target achievement</p><p>
To keep abreast with the latest market trends and local market preferences and needs</p><p>
To ensure loan conversion/ sanction/ utilization percentages are high and a broad enough sourcing funnel is built to meet targets</p><p>
To ensure credit quality and effective portfolio selection / pre-screening thereby minimizing potential NPAs</p><p>
To ensure compliant sales operations despite sales pressures and market cycles</p></ul><div>
Enabling Skill Sets &amp; Qualifications</div><ul><p>
Critical skill sets required to meet these challenges include business and commercial acumen, team management and communication, execution skills, product-market understanding, and execution skills.</p><p>
Education &amp; experience required to fulfil this profile are a graduate with minimum 2 - 4 yrs of total sales experience in the Banking/ NBFC space, of which at least recent 1 Year experience should be in Micro/affordable loan sales.</p></ul><div>
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</div><div>
Key Result Areas (Max 1325 Characters)/ Supporting Actions (Max 1325 Characters)</div><div>
Sales Planning &amp; Operations</div><ul><p>
Work with Area Head and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</p><p>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</p><p>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</p></ul><div>
Customer Acquisition/ Engagement</div><ul><p>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</p><p>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts.</p><p>
Attend to customer complaints effectively, escalating critical cases to Area Head as required.</p></ul><div>
Operational Effectiveness</div><ul><p>
Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</p><p>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</p><p>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</p></ul><div>
Self-Development &amp; Internal Stakeholder Management</div><ul><p>
Attend relevant technical and behavioral trainings/ seminars and work on self-development initiatives</p><p>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</p></ul><div>
Portfolio &amp; Risk Management</div><ul><p>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</p><p>
Ensure compliant sales operations and sound risk management in day-to-day operations.</p><p>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</p></ul><div></div>
</div><div><div><p>Minimum Experience Level</p>
<div><div>0 - 4 years</div></div>
</div><div></div><div><p>Job Qualifications</p></div></div></div><div></div>

Relationship Officer - MANDYA

<div>
 <ul>
  <li>
   Job Purpose
   <br/>
   <br/>
  </li>
 </ul>
 Leading &amp; Driving the sales function for Eternia Organization. Demand Generation Footprint Creation for the Sales Department of Eternia start up, subsequently, creating a network of Influencers (Architects, PMC&rsquo;s, Fa&ccedil;ade Consultants) to ensure a brand pull for Eternia range of Aluminum Door/Window systems. Responsible for devising &amp; executing sales strategies as per product &amp; market requirements, accelerating revenue returns &amp; growth with a clear focus on &ldquo;bottom line positive&rdquo; pricing.
 <br/>
 <br/>
 <ul>
  <li>
   Key Result Areas/Accountabilities:
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Key Result Areas/Accountabilities
  <br/>
  <br/>
 </strong>
 <strong>
  Supporting Actions
  <br/>
  <br/>
 </strong>
 Booking
 <br/>
 <br/>
 Billing
 <br/>
 <br/>
 Market development
 <br/>
 <br/>
 Channel development
 <br/>
 <br/>
 Quality Audit
 <br/>
 <br/>
 Service Monitoring
 <br/>
 <br/>
 BTL activity
 <br/>
 <br/>
 Training
 <br/>
 <br/>
 To drive new orders through channel partners and achieve as per target plan
 <br/>
 <br/>
 To drive and achieve billing as per plan
 <br/>
 <br/>
 To have regular meet with new and existing influencer, engage them and extract consistent business
 <br/>
 <br/>
 Work closely with fabricator to develop dealer network, provide training and make them production
 <br/>
 <br/>
 To have quality audit in fabricator&rsquo;s factory and audit the product quality.
 <br/>
 <br/>
 To have a close watch to all open sites and be proactive in service delivery and resolve issues in case of any escalation.
 <br/>
 <br/>
 Drive BTL activity in assigned area with channel partner to create brand awareness
 <br/>
 <br/>
 To provide and monitor training to channel partner and its team.
 <br/>
 <br/>
 Should be open to travel and manage other locations in the Delhi NCR (Gurgaon &amp; Faridabad) Region.
 <strong>
  Window background preferred
 </strong>
</div>


Area BM Retail

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Aditya Birla Group

ABOUT_COMPANY

Senior Key Relationship Officer- Retail-Bhopal

Senior Agency Manager

Relationship Officer - MANDYA

Area BM Retail