Job Description

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Responsible for building the targeted book size and developing the Short term Secured 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 business objectives; to work closely with Area Sales Manager and operationalize end to end lending transactions with superior product delivery while ensuring credit quality of new acquisitions.

• To build and grow the business while remaining cognizant of competitive realities in the following areas:
• Market linked product
• Market average IRR & processing fee levels
• Market average DSA pay-outs
• To originate and develop market share in Tier-I and II locations , against stiff competition, overcoming competitive pressures with sharp focus on efficiency and stakeholder satisfaction
• To drive dual focus on growing volume and ensuring sourcing quality, given nature of the customer profile (individuals/ MSMEs)
• To constantly upgrade financial & operational know how of self on efficient loan processing, effective negotiation and relationship building for maintaining credibility with DSA network and profitable target achievement
• To keep abreast with latest market trends through focused market intelligence, as well as regulatory changes for inputs on requisite amendments to policies, processes, etc.
• To ensure loan conversion/ sanction/ utilization percentages are high and an appropriate sourcing funnel is built to meet targets
• To ensure credit quality and effective portfolio selection/pre-screening thereby minimizing potential NPAs
• Given the nature of customers (MSME & below) the market connect of frontline sales is key for the vertical being successful

Aditya Birla Group