senior sales officer

Dreamwalls Paints Pvt. Ltd

<p><b>Job description</b></p><p><b>Role &amp; responsibilities</b></p><p>&middot; <b>Achieve monthly, quarterly, and annual sales targets.</b></p><p>&middot; <b>Develop and manage dealer, distributor, and contractor network.</b></p><p>&middot; <b>Identify new business opportunities and appoint new dealers.</b></p><p>&middot; <b>Conduct regular market visits and maintain strong customer relationships.</b></p><p>&middot; <b>Monitor competitor activities, pricing, and schemes.</b></p><p>&middot; <b>Ensure proper product placement and visibility at retail counters.</b></p><p>&middot; <b>Coordinate with marketing team for promotional activities.</b></p><p>&middot; <b>Handle primary &amp; secondary sales.</b></p><p>&middot; <b>Collect payments and ensure timely outstanding recovery.</b></p><p>&middot; <b>Submit daily sales reports and market feedback to management.</b></p><p>&middot; <b>Train dealers and painters about product features and benefits.</b></p><p>&middot; <b>Maintain stock availability and coordinate with warehouse/logistics</b>.</p><p><b>Preferred candidate profile</b></p><p>&middot; Graduate Degree in any stream <b>(BA/B.Sc./B.Com/BBA/BBM/BMS)</b></p><p>&middot; Preferred Candidates with <b>MBA/PGDM </b>in Sales and Marketing</p><p>&middot; Paint Industries sales experience is must</p><p><b>Role: Senior Sales Officer (B2B)</b></p><p><b>Industry Type: Chemicals (Paints)</b></p><p><b>Department: Sales &amp; Business Development</b></p><p><b>Key Skills</b></p><p><b>Team Management Business Development Dealer Network Dealer Management Sales Planning,Sales dealer Channel Sales distributor Dealer Management Selling Distributor Sales Business Development</b></p><p><b>Retails sales, Dealers Sales, Sales, retail Sales, Scheme, development retail sales, business development, sales contractors, marketing sales product, selling, activation, dealer network, consumer payment collection promotional territory ,</b></p><p><b>Job match score</b></p><p>&middot; <b>Early Applicant</b></p><p>&middot; <b>Key skills</b></p><p>&middot; <b>Location</b></p><p>&middot; <b>Work Experience</b></p><p><b>About CompanyAbout Company</b></p><p>DREAMWALLS PAINTS PRIVATE LIMITED is incorporate on 26th day of March 2004 as a Company under Registrar of Companies in Pune Maharashtra, manufacture of decorative paints in Pune and Hubli -Karnataka and we have sales depo in Pune, Kolhapur, Jalna, Nanded, , <b>Hyderabad- Telangana, Belgaum,Vijayapura</b></p><p><b>Interested Candidate Share their profile on hr@dreamwallspaints.com Call - 8766759161</b></p><p><b>Company Address</b></p><p><b>Dreamwalls Paints Private Limited,</b></p><p>504, Nirvara, Opp. Seasons Mall, Magarpatta City,</p><p>Hadapsar, Pune-411028 (Maharashtra)</p><p>Contact &ndash; 18001236635</p><p>Job Type: Full-time</p><p>Pay: ₹19,199.51 - ₹45,169.49 per month</p><p>Benefits:</p><ul><li>Provident Fund</li></ul><p>Location:</p><ul><li>Hyderabad, Telangana (Preferred)</li></ul><p>Work Location: In person</p>

Senior Sales Officer

Nestlé

<div>
 Designation: Sales Officer
 <br/>
 <br/>
 Function: Sales Location : Bamer ( Rajasthan)
 <br/>
 <br/>
 Work Exp: 1-5 yrs experience in Field Sales &ndash; Channel sales within FMCG/FMCD/Telecom
 <br/>
 <br/>
 Qualification: Any Graduate
 <br/>
 <br/>
 Reports to: Area Sales Manager
 <br/>
 <br/>
 Job Description:
 <br/>
 <br/>
 Custodian of Nestle business in the assigned territory
 <br/>
 <br/>
 <ul>
  <li>
   Ensure product availability at all relevant channels
  </li>
  <li>
   Solely responsible for planning &amp; achieving monthly/ yearly target
  </li>
  <li>
   Maintain and enhance trade relations
  </li>
  <li>
   In charge of distribution set up and secondary sales force set up
  </li>
  <li>
   Network with other functions for achieving overall sales objective and extends support
   <br/>
   <br/>
  </li>
 </ul>
 through secondary sales set up for implementation of all activities.
 <br/>
 <br/>
 <ul>
  <li>
   Implement all activations (Trade / Consumer) &amp; merchandising (Visibility) programs.
  </li>
  <li>
   Facilitate timely and quality feedback for all activities as per guidelines
  </li>
  <li>
   Overall accountable for all operational programs in the assigned area.
   <br/>
   <br/>
  </li>
 </ul>
 Market Working
 <br/>
 <br/>
 <ul>
  <li>
   Set monthly, quarterly and yearly target for each Distributor for your region
  </li>
  <li>
   Achievement &amp; monitor progress of Redistribution value and volume targets
  </li>
  <li>
   Ensure product availability at all relevant channels through the distributor&rsquo;s sales force
   <br/>
   <br/>
  </li>
 </ul>
 per Company guideline
 <br/>
 <br/>
 <ul>
  <li>
   Ensure continuous development of the assigned area and addition of new outlets.
   <br/>
   <br/>
  </li>
 </ul>
 Distributor Handling
 <br/>
 <br/>
 <ul>
  <li>
   Ensure compliance of Distributors with their respective roles &amp; responsibilities
  </li>
  <li>
   Manage and develop individual distributor in an active and profitable manner
  </li>
  <li>
   Ensure the proper and correct execution of sales, discount and trading terms
   <br/>
   <br/>
  </li>
 </ul>
 determined by the company
 <br/>
 <br/>
 <ul>
  <li>
   Monitor and minimize the level of Bad goods returns
  </li>
  <li>
   Ensure distributor&rsquo;s efficient and effective support for the market coverage
  </li>
  <li>
   Monitor Distributor&rsquo;s overhead expenses &amp; profitability (ROI)
  </li>
  <li>
   Track on delivery from Distributor to consumers.
  </li>
  <li>
   Develop strong business relationship with distributors, trade and key account in their
   <br/>
   <br/>
  </li>
 </ul>
 territories
 <br/>
 <br/>
 Control, Training and Communication
 <br/>
 <br/>
 <ul>
  <li>
   Conduct performance evaluation of Secondary Sales Force.
  </li>
  <li>
   Accurate and timely reports on Market intelligence: competitor&rsquo;s activity, price changes
   <br/>
   <br/>
  </li>
 </ul>
 and promotional support.
 <br/>
 <br/>
 <ul>
  <li>
   Ensure Secondary Sales Force is properly trained.
  </li>
  <li>
   Coordinate correspondence and communication between the team and Distributor
   <br/>
   <br/>
  </li>
 </ul>
 management.
 <br/>
 <br/>
 <ul>
  <li>
   Comply with all company policy, instruction and directives.
  </li>
  <li>
   Optimize expenditure of secondary sales force.
   <br/>
   <br/>
  </li>
 </ul>
 Key Skills:
 <br/>
 <br/>
 Communication Skills
 <br/>
 <br/>
 Analytical Approach
 <br/>
 <br/>
 Flexible and Resourceful
 <br/>
 <br/>
 Innovativeness
 <br/>
 <br/>
 Poise &amp; Confidence
 <br/>
 <br/>
 <em>
  Nestl&eacute; is committed to providing equal opportunities without any discrimination on the grounds of age, color, disability, origin, nationality, religion, race, gender, or sexual orientation. We are an equal opportunity employer, and we value diversity at our company. For any reasonable accommodation in the recruitment process for persons with disabilities, kindly reach out to your recruiter. Reasonable accommodation includes any appropriate modifications to ensure that persons with disabilities are provided an equal platform in the recruitment process.
 </em>
</div>


Aditya Birla Group

<div><div><div><div><div><div><div>Informal
</div><h1 class="jobSectionHeader"><b>Senior Key Relationship Officer-Informal -Madurai</b></h1>
<div>Location: TN21, Madurai</div>
<p></p><div>
</div></div></div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<p></p><div><p>Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><ul><li>
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.</li><li>
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.</li></ul><p>
Job Context</p><p>
Key Aspects:</p><ul><li>
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.</li><li>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</li><li>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</li><li>
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</li><li>
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</li><li>
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.</li></ul><p>
Key Challenges</p><ul><li>
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.</li><li>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</li></ul><p>
3) Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><p>
required</p><ul><li>
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</li><li>
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</li><li>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</li></ul><p>
Enabling Skill Sets &amp; Qualifications</p><ul><li>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</li><li>
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.</li></ul><p>
4) Principal Accountabilities</p><p>
Accountability/ Supporting Actions</p><p>
Sales Planning &amp; Operations</p><ul><li>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</li><li>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</li><li>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</li></ul><p>
Customer Acquisition/ Engagement</p><ul><li>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</li><li>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</li><li>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</li></ul><p>
Operational Effectiveness
</p><ul><li>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</li><li>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</li><li>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</li></ul><p>
Self Development &amp; Internal Stakeholder
</p><ul><li>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</li><li>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</li></ul><p>
Management
</p><ul><li>Portfolio &amp; Risk Management</li></ul><ul><li>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</li><li>
Ensure compliant sales operations and sound risk management in day-to-day operations</li><li>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</li></ul><p></p>
</div><div><div><div>Minimum Experience Level</div>
<div><p>0 - 4 years</p></div>
</div><div></div><div><div>Job Qualifications</div></div></div></div></div></div></div></div><p></p>

Senior Key Relationship Officer-Informal -Madurai

<div><div><div><div><div><div><div>Retail
</div><h1 class="jobSectionHeader"><b>Senior Key Relationship Officer-Retail-Madurai
</b></h1><div>Location: TN21, Madurai</div>
<p></p><div>
</div></div></div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<p></p><div><p>Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><ul><li>
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.</li><li>
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.</li></ul><p>
Job Context</p><p>
Key Aspects:</p><ul><li>
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.</li><li>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</li><li>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</li><li>
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</li><li>
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</li><li>
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.</li></ul><p>
Key Challenges</p><ul><li>
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.</li><li>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</li></ul><p>
3) Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><p>
required</p><ul><li>
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</li><li>
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</li><li>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</li></ul><p>
Enabling Skill Sets &amp; Qualifications</p><ul><li>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</li><li>
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.</li></ul><p>
4) Principal Accountabilities</p><p>
Accountability/ Supporting Actions</p><p>
Sales Planning &amp; Operations</p><ul><li>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</li><li>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</li><li>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</li></ul><p>
Customer Acquisition/ Engagement</p><ul><li>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</li><li>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</li><li>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</li></ul><p>
Operational Effectiveness
</p><ul><li>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</li><li>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</li><li>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</li></ul><p>
Self Development &amp; Internal Stakeholder
</p><ul><li>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</li><li>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</li></ul><p>
Management
</p><ul><li>Portfolio &amp; Risk Management</li></ul><ul><li>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</li><li>
Ensure compliant sales operations and sound risk management in day-to-day operations</li><li>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</li></ul><p></p>
</div><div><div><div>Minimum Experience Level</div>
<div><p>0 - 4 years</p></div>
</div><div></div><div><div>Job Qualifications</div></div></div></div></div></div></div></div><p></p>

Senior Key Relationship Officer-Retail-Madurai

<div><div><div><div><div><div><div>Retail
</div><h1 class="jobSectionHeader"><b>Senior Key Relationship Officer - ABHFL - Retail - Chennai</b></h1>
<div>Location: TN04, Chennai</div>
<p></p><div>
</div></div></div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<p></p><div><p>Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><ul><li>
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.</li><li>
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.</li></ul><p>
Job Context</p><p>
Key Aspects:</p><ul><li>
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.</li><li>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</li><li>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</li><li>
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</li><li>
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</li><li>
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.</li></ul><p>
Key Challenges</p><ul><li>
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.</li><li>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</li></ul><p>
3) Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><p>
required</p><ul><li>
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</li><li>
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</li><li>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</li></ul><p>
Enabling Skill Sets &amp; Qualifications</p><ul><li>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</li><li>
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.</li></ul><p>
4) Principal Accountabilities</p><p>
Accountability/ Supporting Actions</p><p>
Sales Planning &amp; Operations</p><ul><li>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</li><li>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</li><li>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</li></ul><p>
Customer Acquisition/ Engagement</p><ul><li>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</li><li>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</li><li>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</li></ul><p>
Operational Effectiveness
</p><ul><li>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</li><li>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</li><li>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</li></ul><p>
Self Development &amp; Internal Stakeholder
</p><ul><li>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</li><li>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</li></ul><p>
Management
</p><ul><li>Portfolio &amp; Risk Management</li></ul><ul><li>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</li><li>
Ensure compliant sales operations and sound risk management in day-to-day operations</li><li>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</li></ul><p></p>
</div><div><div><div>Minimum Experience Level</div>
<div><p>0 - 4 years</p></div>
</div><div></div><div><div>Job Qualifications</div></div></div></div></div></div></div></div><p></p>

Senior Key Relationship Officer - ABHFL - Retail - Chennai

<div><div><div><div><div><div><div>Retail
</div><h1 class="jobSectionHeader"><b>Senior Key Relationship Officer - ABHFL - Retail - Coimbatore</b></h1>
<div>Location: TN02, Coimbatore</div>
<p></p><div>
</div></div></div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<p></p><div><p>Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><ul><li>
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.</li><li>
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.</li></ul><p>
Job Context</p><p>
Key Aspects:</p><ul><li>
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.</li><li>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</li><li>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</li><li>
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</li><li>
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</li><li>
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.</li></ul><p>
Key Challenges</p><ul><li>
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.</li><li>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</li></ul><p>
3) Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><p>
required</p><ul><li>
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</li><li>
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</li><li>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</li></ul><p>
Enabling Skill Sets &amp; Qualifications</p><ul><li>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</li><li>
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.</li></ul><p>
4) Principal Accountabilities</p><p>
Accountability/ Supporting Actions</p><p>
Sales Planning &amp; Operations</p><ul><li>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</li><li>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</li><li>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</li></ul><p>
Customer Acquisition/ Engagement</p><ul><li>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</li><li>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</li><li>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</li></ul><p>
Operational Effectiveness
</p><ul><li>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</li><li>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</li><li>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</li></ul><p>
Self Development &amp; Internal Stakeholder
</p><ul><li>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</li><li>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</li></ul><p>
Management
</p><ul><li>Portfolio &amp; Risk Management</li></ul><ul><li>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</li><li>
Ensure compliant sales operations and sound risk management in day-to-day operations</li><li>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</li></ul><p></p>
</div><div><div><div>Minimum Experience Level</div>
<div><p>0 - 4 years</p></div>
</div><div></div><div><div>Job Qualifications</div></div></div></div></div></div></div></div><p></p>

Senior Key Relationship Officer - ABHFL - Retail - Coimbatore

<div><div><div><div><div><div><div>Informal
</div><h1 class="jobSectionHeader"><b>Senior Key Relationship Officer - ABHFL - Informal - Tirunelveli</b></h1>
<div>Location: TN21, Madurai</div>
<p></p><div>
</div></div></div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<p></p><div><p>Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><ul><li>
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.</li><li>
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.</li></ul><p>
Job Context</p><p>
Key Aspects:</p><ul><li>
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.</li><li>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</li><li>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</li><li>
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</li><li>
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</li><li>
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.</li></ul><p>
Key Challenges</p><ul><li>
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.</li><li>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</li></ul><p>
3) Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><p>
required</p><ul><li>
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</li><li>
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</li><li>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</li></ul><p>
Enabling Skill Sets &amp; Qualifications</p><ul><li>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</li><li>
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.</li></ul><p>
4) Principal Accountabilities</p><p>
Accountability/ Supporting Actions</p><p>
Sales Planning &amp; Operations</p><ul><li>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</li><li>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</li><li>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</li></ul><p>
Customer Acquisition/ Engagement</p><ul><li>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</li><li>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</li><li>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</li></ul><p>
Operational Effectiveness
</p><ul><li>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</li><li>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</li><li>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</li></ul><p>
Self Development &amp; Internal Stakeholder
</p><ul><li>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</li><li>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</li></ul><p>
Management
</p><ul><li>Portfolio &amp; Risk Management</li></ul><ul><li>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</li><li>
Ensure compliant sales operations and sound risk management in day-to-day operations</li><li>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</li></ul><p></p>
</div><div><div><div>Minimum Experience Level</div>
<div><p>0 - 4 years</p></div>
</div><div></div><div><div>Job Qualifications</div></div></div></div></div></div></div></div><p></p>

Senior Key Relationship Officer - ABHFL - Informal - Tirunelveli

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