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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

LM - RSB - War

Location: Warangal - Ganapathi Plaza, Andhra Pradesh
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Job Description

Job Purpose

Job Purpose Description

Job Description: Area Sales Manager – Retail Secured Business

Location: Warangal
Role Type: Team Management + Channel (DSA) Management
Business Unit: Retail Secured Loans (e.g., LAP / Mortgage / Secured Business Loans)

Role Summary

The Area Sales Manager (ASM) – Retail Secured Loans is responsible for driving business volumes, managing a team of Sales Managers/Executives, and developing strong DSA relationships to ensure high?quality sourcing. The role demands deep knowledge of secured lending, strong market understanding, and the ability to drive consistent growth within the Warangal region.

Key Responsibilities

1. Sales & Business Development

  • Achieve monthly/quarterly sales targets for secured lending products (LAP, MSME secured loans, mortgage loans).
  • Drive business generation through DSAs, connectors, builders, and local market networks.
  • Develop area-specific sales strategies to increase market penetration.
  • Conduct regular market visits to identify new business opportunities.

2. Team Management

  • Manage a team of frontline sales managers/executives.
  • Ensure daily productivity through field coaching, target setting, and performance reviews.
  • Track funnel activity (login–sanction–disbursement).
  • Train team members on product features, documentation, policies, and system compliance.

3. DSA/Channel Handling

  • Identify, onboard, and activate new DSAs across Warangal and nearby regions.
  • Maintain strong relationships with all channel partners to ensure consistent lead flow.
  • Monitor DSA adherence to credit policies, KYC norms, documentation quality, and TAT.
  • Conduct periodic engagement and motivation activities.

4. Credit, Risk & Operations Coordination

  • Work closely with credit managers for file assessments, site visits, valuation, and legal checks.
  • Maintain strong control on portfolio quality by ensuring proper sourcing.
  • Coordinate with operations for smooth disbursements and customer experience.

5. Market Intelligence

  • Track competitor activities, pricing, policy changes, and market movements.
  • Provide timely feedback to product and leadership teams.
  • Identify new micro-markets and emerging customer needs.

6. Reporting & Compliance

  • Maintain sales trackers, funnel MIS, DSA performance reports, and daily calls/visits log.
  • Ensure complete adherence to company compliance, regulatory guidelines, and documentation standards.

Skills & Competencies

  • Strong knowledge of mortgage/secured loan products
  • Excellent DSA/channel management skills
  • Strong people?management and team leadership experience
  • Good understanding of credit, legal, valuation, and property documentation
  • Strong negotiation & relationship?building abilities
  • Proficiency in MS Excel, CRM & sales MIS
  • High ownership and result-driven mindset

Qualifications & Experience

  • Graduate/MBA preferred
  • 5–10 years of secured loan sales experience
  • At least 2 years of team handling experience
  • Strong local market knowledge (Warangal & surrounding districts)

Minimum Experience Level

5 - 15 years

Job Qualifications

Graduate

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