Regional Sales Manager_Mumbai

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD
Business
Financial Services
Unit
Aditya Birla Capial Ltd.
Location
Mumbai
Poornata Position Number of the job
Multiple
Reports to: Poornata Position Number
00143876
Poornata Position Title of the job (30 characters max)
RSM – BL
Reports to: Poornata Position Title
ZSM- Business Loans- Mumbai
Function
Sales & Marketing
Reports to: Function
Sales & Marketing
Department
Business Loan
Reports to: Department
Business Loan
Designation of the Employee
Regional Sales Manager – BL
Designation of the Manager
Zonal Sales Manager – BL
Date of writing/updation of JD
20 th Dec 2025
Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters)
This job is responsible to define and deliver a strategy for Business Loan segment at a regional level in terms of target segments, strengthening existing relationships and setting up new channels for market penetration, and set business objectives for the pan India organization.
Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job.
Business Loans – Dimensions
Dimensions
FY 18
FY 19
FY 20
FY 21 (Proj)
FY 22 (Proj)
FY 23(Proj)
FY 24(Proj)
Revenue
178
268
284
367
421
551
690
Gross Disbursals
991
1,228
1,206
1,047
1,761
2,025
2,268
AUM / Book Size
1,020
1,519
1,887
2,104
2,451
3,160
3,953
Geographical expansion
10
15
31
60
80
100
120
Portfolio yield%
18.34%
18.54%
18.95%
18.35%
18.07%
18.34%
18.38%
Fee Income %
1.15%
1.16%
1.79%
0.07%
1.70%
1.75%
1.80%
Credit cost %
1.75%
1.79%
5.31%
4.74%
4.80%
4.50%
4.50%
ROA %
1.15%
1.25%
1.36%
1.12%
1.80%
2.20%
2.50%
Job Context & 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)
Organization Context
Aditya Birla Capital Limited ("ABCL") is a lending subsidiary of Aditya Birla Capital Limited. ABCL is registered with RBI as a Systematically Important Non-Deposit accepting Non-Banking Finance Company (NBFC). ABCL is one of the top private diversified NBFCs in India. As of 31-Dec’20, ABCL has a pan-India presence with 91 branches and a lending book of Rs. 45,560 Crores.
ABCL offers end-to-end lending solutions to a diverse set of customers - Retail, HNI, MSMEs, and Mid & Large Corporates through secured as well as unsecured loan products. The diverse range of lending products includes Retail Small Ticket Secured and Unsecured Loans, Unsecured Personal Loans, Unsecured Business Loans, Health & Education Loans, Digital B2B2C and B2B2B Small Ticket Loans, Small Business Secured Loans, Loans Against Property (LAP), Lease Rental Discounting (LRD), Construction Finance (to Real Estate Developers), SME Loans, Capital Markets Loans (Loan Against Shares), Supply Chain Finance, Mid and Large Corporate Loans, and Infrastructure Finance loans. ABCL also has a Wealth Management division.
ABCL is rated “AAA” by India Ratings, ICRA and CARE (reaffirmed in 2020). ABCL secured the ABG Business Excellence Award in 2017 (Silver), and 2015 (Bronze), and multiple other Awards on forums like CII.
Business Context
The strategy is to grow ABCL aggressively in the retail space, through scale-up of existing lines of business while realizing new business development opportunities. There is also an increased focus on using digital ecosystems as a competitive advantage. The business is characterized by high transaction volumes and smaller ticket sizes. Given nature of customers, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times. Cost of funding and competitiveness of loan rates are important drivers of profitability in this space.
Key Challenges
To ensure a zonal strategy that is differentiated and innovative, considering regional factors and consumer preferences, and that can withstand competitive pressures, especially given ABCL’s late entry into Unsecured lending
To build the zonal business in line with the adopted strategy of phased organizational growth, i.e. starting with limited team strength/ depth and growing with expanding business operations and performance; To ensure credit quality and effective portfolio selection/pre-screening thereby minimizing potential NPAs
To originate and increase market share in new locations (specially with the expansion pan India) within the zone, against stiff competition, overcoming competitive pressures with sharp focus on efficiency and stakeholder satisfaction; To drive dual focus on growing volume and ensuring sourcing quality, given unsecured nature of the business as well as the customer profile (individuals/ small businesses)
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
Key Result Areas
Supporting Actions
Regional Sales Strategy
Work with NSM on designing zonal strategy considering regional factors, competitive forces and consumer preferences in a manner that supports achievement of national business goals
Ensure cascade of zonal strategy and operational plans down the line for effective execution and alignment
Scan the market and its competitive offerings on a periodic basis; report on and direct basis emerging trends and business opportunities for the unsecured segment
Business Growth & Profitability Management
Identify business growth opportunities at a zonal level, drive channel expansion and new account acquisition strategies to achieve business objectives
Envisage business growth & cascade targets to implement sales strategies
Augment the business volumes of Unsecured lending, manage ABG ecosystem, channel databases and tap them through existing relationships
Drive relationships with key clients, faster TAT and cross selling initiatives in order to increase the client base of the zone
Drive dual focus on sales volume and value (higher yield and margins) through the team
Devise and deploy schemes at strategically timed intervals to bolster sales volumes/ value in sync with market developments and dynamics
Analyze and review periodic MIS reports for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc., communicate to NSM as well as down the line, and drive appropriate actions through the team
Operational Effectiveness
Drive process efficiencies and faster TATs through strong relationships with stakeholders across processes and functions, in order to support channel presence and customer base expansion
Monitor and report on sales operations and productivity metrics to drive a high-performance sales culture
Monitor SLAs, sales efficiencies and RoI of channels
Encourage the implementation of improved processes and best practices in order to enhance operational productivity and drive channel strength and customer satisfaction
Distribution & Market Expansion
Engage with various corporate, ABG ecosystem and channel network stakeholders and develop/ drive a touch point management system for faster customer connectivity and loan processing-disbursement
Effectively deploy schemes and prioritize sales of high revenue products and structures
Conduct engagement programs and sales trainings to develop teams and channel partners
Risk Management
Support the risk and review process by reviewing the loan sanctioning and
Disbursement process and documentation to ensure controlled operations
Drive compliant Sales Operations and sound risk management via partnership with Risk team
Liaise with the customers and the Risk team as required to provide regular information required for monitoring the creditworthiness of the proposals
Manage portfolio activities augmenting and driving alignment with early alert strategies to reduce losses
Proactively identify risks to maintain portfolio quality and liaise with channel partners, customers and the risk team in escalation cases, supporting coordination with systematic MIS on NPAs and credit trends
Team and Internal Stake

Work arrangement
No