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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_Nirmal

Location: Nirmal-Shanthi Nagar, Telangana
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Job Description

Job Description: Area Sales Manager – Retail Secured Loans

Location: Nirmal
Role Type: Team Management + Channel (DSA) Management
Business Unit: Retail Secured Loans (LAP / Mortgage / Secured Business Loans)

Role Summary

The Area Sales Manager (ASM) – Retail Secured Loans will be responsible for driving business growth in the Nirmal region by managing a sales team and developing a strong network of DSAs and channel partners. This role requires strong product knowledge, local market understanding, and the ability to deliver high?quality sourcing with consistent business volumes.

Key Responsibilities

1. Sales & Business Development

  • Achieve monthly and quarterly targets for secured lending products (LAP, Mortgage, Secured Business Loans).
  • Generate business through DSAs, local connectors, property agents, builders, and open market channels.
  • Expand business presence across Nirmal and surrounding mandals/towns.
  • Conduct regular field visits to identify new markets and customer segments.

2. Team Management

  • Lead a team of Sales Managers / Sales Officers.
  • Track funnel movement—login, sanction, disbursement—on a daily basis.
  • Coach, guide, and mentor the team to improve productivity and conversion ratios.
  • Conduct daily/weekly reviews to monitor performance and pipeline.

3. Channel / DSA Management

  • Identify, onboard, and activate DSAs across Nirmal and nearby catchments.
  • Maintain strong relationships with channel partners for continuous lead flow.
  • Monitor documentation quality, compliance, and credit policy adherence.
  • Conduct periodic visits and engagement activities to motivate partners.

4. Credit, Risk & Operations Coordination

  • Liaise with credit managers for eligibility assessment, legal/technical checks, and TAT adherence.
  • Ensure high?quality sourcing to maintain a healthy portfolio.
  • Work with operations to ensure smooth processing and quick disbursements.

5. Market & Competitor Intelligence

  • Track competitor pricing, product offerings, turnaround time, and market movement.
  • Identify untapped micro-markets in Nirmal district and propose expansion strategies.

6. Reporting & Compliance

  • Maintain accurate MIS, daily sales reports, funnel trackers, and DSA performance sheets.
  • Ensure complete adherence to regulatory norms and company policies.

Skills & Competencies

  • Strong knowledge of LAP, Mortgage, and secured lending
  • Excellent DSA/channel management skills
  • Strong team leadership and people management capability
  • Good understanding of property documentation, legal/technical processes
  • High ownership, negotiation skills, and market networking ability
  • Proficient in MS Excel and sales MIS tools

Qualifications & Experience

  • Graduate
  • 5–10 years of secured loan sales experience
  • Minimum 2 years in a team-handling role
  • Strong knowledge of Nirmal market & surrounding regions

Minimum Experience Level

5 - 15 years

Job Qualifications

Graduate

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