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ABCL
Aditya Birla Capital Limited

Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,740

No. of Employees

68,400

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 5.91 Lakh Cr

Consolidated Lending Book

INR 2 Lakh Cr
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Job Description

Aditya Birla Capital Limited

Area Sales Head- SME- EMR MKT - Madurai

Location: New millennium complx, Madurai, Tamil Nadu
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Job Description

Job Purpose

The Area Sales Head is responsible for driving business growth, profitability, and portfolio quality across the assigned geography by leading the SME Retail Emerging Markets business. The role focuses on acquiring MSME customers, expanding channel partnerships, ensuring superior customer experience, maintaining portfolio quality, and developing high-performing sales teams while delivering sustainable business growth.

2. Key Responsibilities

Business Growth

  • Drive SME secured and unsecured lending business across Madurai and adjoining markets.
  • Deliver disbursement, revenue, profitability, and portfolio growth targets.
  • Develop annual and quarterly sales strategies aligned with business objectives.
  • Build strong market penetration across assigned territories.

Sales Management

  • Drive sourcing through Direct Sales Teams, DSAs, connectors, CA networks, builders, and referral channels.
  • Ensure healthy sales funnel management.
  • Improve lead conversion and productivity.
  • Monitor branch-level business performance.

Portfolio & Credit Quality

  • Maintain healthy portfolio quality.
  • Ensure sourcing within prescribed credit policies.
  • Work closely with Credit, Risk, Legal and Operations for timely approvals.
  • Monitor delinquency and collection efficiency.
  • Drive early warning monitoring for stressed accounts.

Customer Acquisition

  • Acquire MSME customers across Manufacturing, Trading and Services segments.
  • Build long-term customer relationships.
  • Increase wallet share through cross-selling.
  • Ensure superior customer experience and quick turnaround time.

Channel Development

  • Identify and onboard quality DSAs and channel partners.
  • Strengthen partnerships with Chartered Accountants, Builders, Property Consultants and Business Associates.
  • Conduct partner engagement programs.
  • Drive channel productivity.

Team Leadership

  • Lead Location Managers and Relationship Managers.
  • Recruit, train and develop high-performing sales teams.
  • Conduct performance reviews.
  • Improve productivity through coaching and mentoring.

Business Governance

  • Ensure adherence to RBI and company policies.
  • Maintain operational controls.
  • Ensure compliance with audit requirements.
  • Drive ethical selling practices.

MIS & Performance Management

  • Review daily sales performance.
  • Track productivity metrics.
  • Analyze portfolio trends.
  • Prepare business forecasts.
  • Present monthly business reviews.

Minimum Experience Level

6 - 10 years

Job Qualifications

Post Graduate

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