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Area Sales Manager-Hyderabad

Actively Reviewing the Applications

Aditya Birla Capital

India, Telangana Full-Time On-site

Posted 13 hours ago • Apply by June 14, 2026

Job Description

The Mid Market and Supply Chain function is responsible for financing the short-term, medium-term, and long-term working capital and supply chain needs of SMEs through a suite of customized products with varied tenures.
The key business metrics for success include loan book size, profitability, and a zero-tolerance approach to delinquency.
A strong understanding of business finance, loan structuring techniques, and credit administration is essential to building credibility with customers and gaining a competitive edge.
Deep knowledge of local market dynamics—including specific occupations/trades, industries, and local financial and investment preferences—is critical for structuring loans effectively and identifying new business opportunities.
Expand market share in targeted locations and outpace competition.
Continuously upgrade financial acumen, including knowledge of loan structuring methods and business financials, to build trust and credibility with customers.
Stay informed about recent market trends and evolving local market preferences to align with customer needs.
Ensure strong credit quality by conducting effective portfolio selection and pre-screening to minimize the risk of non-performing assets (NPAs).
Safeguard financed amounts by conducting post-sanction surveillance, maintaining strong client relationships, and monitoring collateral to ensure the complete safety of the financing.

Key Responsibilities

Area Sales Growth & Profitability Management
Achieves sales targets for the local area through
monitoring pipeline funnel & developing a plan with the team to achieve book size and market share
Planning & implementing initiatives to identify and bring on board new channel partners
Achieves the area gross contribution
Monitors local market trends and competitive offerings & identifies opportunities for business expansion for the region
Ensures minimal client attrition through strong client engagement activities
Engages with the investment bankers, chartered accountants and brokers in the for sourcing new business on a regular basis
Raises escalation on delinquent cases/ potential NPAs and closely monitors these through the team for collection dues.
Tracks key accounts in the portfolio with regard to health of the business and potential early warning signs of NPAs
Client Acquisition & Relationship Management
Drives new client acquisition and retention through mapping of key clients in the area & establishes relationships with them to maintain/ enhance the pipeline funnel.
Increases quantum of area business through strong focus on cross-selling initiatives & innovative product mixes.
Identifies business potential in new geographic s of the region & penetrates them through marketing events in strategic locations
Cultivates a deeper customer bonding by ensuring faster TATs in collaboration with the Credit analysts, enabling the use of technology to improve operational efficiencies & responsiveness in customer service to ensure retention of existing customers.
Recommends development of new products based on local market and competitor insights and trends
Supports enhancements to existing product service mix according to local specifications by providing inputs to the RSM
Reporting, Audits & Internal Compliance
Monitors the portfolio health in conjunction with the risk team through continuous portfolio surveillance and tight pre screening of proposals sourced in the area.
Ensures effective risk management by driving policy adherence and compliance in all sales operations activities within the region team.
Drives compliance through proper loan documentation, adherence to KYC norms and collation of all other relevant information about the client and application of necessary risk mitigation where required.
Monitors the non-payment of loans, cheque bounces, etc closely and ensure that there are minimal NPAs in the portfolio. Flags off specific cases to the RSM for intervention.
Emphasizes strict compliance and adherence with respect to any regulatory/ statutory or legal norms and considerations.
Portfolio Quality & Profitability
Track overdue accounts daily for the business and ensure timely collections.
Intervene to ensure collection on initial overdue accounts in a timely manner.
Ensure profitability by applying appropriate pricing strategies and processing fees.
Implement cost management initiatives on a timely and accurate basis.
People Management
Provide input to the Area Sales Manager for the Sales MIS to improve reporting and operational performance. Ensures that all relevant product & behavioral training is imparted to RMs to enhance business outcomes and support individual development.
Oversees sourcing, recruitment, on-boarding and capability development of team members to drive productivity.