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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

Regional Sales Manager - Unsecured Self Employed - Ludhiana

Location: Feroze G Mkt Ludhiana, Punjab
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Job Description

Copilot said: 

Job Purpose

The purpose of this job is to:

  • Lead and deliver the Regional Business Strategy for the Unsecured Business segment by driving sustainable portfolio growth, expanding market presence, strengthening channel partnerships, and ensuring achievement of sales, profitability, and operational objectives across the region.
  • Build and manage a high-performing sales organization by providing strategic direction, governance, and capability development to Area Sales Managers and sales teams while ensuring customer-centric and compliant business practices.
  • Take ownership of the end-to-end unsecured lending business across the region, including business sourcing, channel management, portfolio quality, risk governance, and stakeholder collaboration, to achieve profitable growth with superior customer experience and controlled delinquency levels.
Job Context & Major Challenges

Organizational Context

Key Aspects

  • As the lending arm of Aditya Birla Capital, Aditya Birla Finance Limited (ABFL) offers diversified financing solutions across Retail, SME, Commercial, and Corporate segments and is among the leading NBFCs in India.
  • ABFL has invested significantly in technology, process excellence, risk management, and customer experience to support scalable and sustainable growth across multiple lending businesses.
  • The Unsecured Business segment represents a key growth driver, offering higher-yield lending products to salaried individuals, self-employed customers, and small businesses through direct and channel-led acquisition models.
  • The Regional Sales Manager plays a critical role in expanding business scale while maintaining portfolio quality, profitability, and regulatory compliance across multiple geographies.

Job Context

Key Aspects

  • The role is responsible for driving the overall Unsecured Business portfolio within an assigned region through effective execution of sales, distribution, risk, and operational strategies.
  • The position manages multiple territories and Area Sales Managers, ensuring alignment with regional business plans, portfolio objectives, and productivity expectations.
  • Sales sourcing is significantly dependent on DSA relationships, referral ecosystems, strategic partnerships, and local market penetration initiatives.
  • The role requires balancing aggressive business growth with portfolio quality, delinquency control, profitability, and governance.
  • The Regional Sales Manager acts as the key interface between field teams and central functions including Credit, Risk, Operations, Product, Collections, and Marketing.
  • Success requires a strong understanding of regional market dynamics, customer behavior, competitive positioning, pricing structures, and evolving lending trends.

Minimum Experience Level

7 - 15 years

Job Qualifications

Under Graduate

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