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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
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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 CrCorporate Governance Policies
Financial and Debt-Related Policies
Business and Partnership Policies
Money management made easy
Understanding direct and indirect taxes
Know how to plan retirement well
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Know all about loans and their management
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Job Title
| RSM – Personal Loans |
Function
| Retail Lending |
Department
| Retail Lending |
Reporting To (Title) | Zonal Head - Personal Loans |
Superior’s Superior (Title) | National Head – Personal Loans |
Unit
| Aditya Birla Finance Limited |
Location
| Mumbai |
Personal
| Financial Services |
Date
| 2018 |
Code: |
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| 1) Job Purpose |
The purpose of this job is:
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2) Dimensions What are the areas (in quantitative terms) the job has an impact on? | |||||
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| Function | Dept. | Section | Remarks |
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1. | Manpower (Nos.) |
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A | Management | 5-6 |
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| ASMs |
B | Staff |
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C | Worker |
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D | Contract |
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| Total |
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2. | Other Relevant Parameters (Capacity/ Volumes/ Budget) |
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A | Book Size | INR 1620 Cr |
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B | Number of Customer Acquisitions | 7364 |
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C | Sales Process TATs | 100% |
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D | NPA % | 0% |
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E | Profitability |
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| 3) Job Context & Major Challenges (What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Region? |
Organizational Context As the debt arm of Aditya Birla Capital (ABC), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate, Mortgages, Unsecured Lending, Digital Lending & Wealth management. Currently ranked within the top 5 NBFCs of India, we have made significant progress and our balance sheet would be at INR 60,000 Cr plus by 2020 and would exceed that of several mid-sized Banks and NBFCs. A well-established brand and top 3 player in the Capital Markets space, today our product suite comprises of a well-diversified look, with equal weightage and focus given to the 6 lines of business. Having seen a y.o.y cumulative growth of 50% in both top-line and bottom line, sustainable profitability continues to be the key management agenda. Job Context Key Aspects:
Key Challenges
Enabling Skill Sets & Qualifications
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| 4) Principal Accountabilities | |
Accountability | Supporting Actions |
Personal Growth & Profitability Management |
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Operational Effectiveness
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Distribution & Market Expansion |
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Risk Management |
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Team and Internal Stakeholder Management |
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| 5) Job Purpose of Direct Reports |
Area Sales Managers – Personal Loans Responsible for building the book size for own region of coverage and developing the Personal Loans with a robust, balanced portfolio in line with assigned targets; to devise & execute operational tactics for effective DSA engagement, market share enhancement and achievement of Personal objectives; to work closely with Regional Head and operationalize end to end Unsecured lending transactions with superior product delivery while ensuring credit quality of new acquisitions
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| 6) Relationships (If Applicable) | ||
| Internal | Frequency | Nature |
ASMs – Personal Loans
HR dept
IT dept
Risk dept
Operations dept
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Daily
‘
Need Based/ Process Driven
Need Based
Daily
Daily
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Reviewing & driving channel expansion, sales strategies, client escalation cases
Recruitments, Performance Reviews, Training
Back-end/ systems support
Proposal evaluations, portfolio monitoring
Client servicing issues, TAT reviews
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| External | Frequency | Nature |
Existing and Prospective customers
Channel partners (Regional DSAs/ Representatives) |
Weekly/ Need Based
Fortnightly/ Need based |
CRM & understanding the need of new products/ positioning changes
Product and Personal development initiatives
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| SIGN-OFF | ||
Signature |
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Name | Job Holder | Job Holder’s Superior |
Date |
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Job Analyst |
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Signature |
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Name |
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10 - 15 years
Other Degree