Team Member

**Job Context & Major Challenges**:Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section**:
**Organizational Context**
- Key Aspects:
- ** Part of the Aditya Birla Capital Limited, Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property and construction finance. The company acquired its license on 9**th** July 2014 and has aggressive growth plans.**:

- ABHFL has grown at a steady rate while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of segments like Affordable and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market. and is poised for rapid growth and plans to grow 5X (40,000 Cr) in the next 5 years. This shall take ABHFL within the top 5 percentile of HFCs in the country.
- ** The ABHFL Sales organization works broadly with 3 customer segments - retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self-employed, with both of these having very different preferences and needs.**

**Job Context**
- Key Aspects:
- ** The Sales Governance function at ABHFL serves as a central monitor for detecting, highlighting and addressing any form of sales process/ operations/ performance related non-compliance, inefficiency and ineffectiveness. This function gains importance in ABHFL vis-a-vis ABFL businesses owing to the significantly higher transaction volumes in the **former**, given the predominantly retail nature of business. Ensuring process compliance and protecting the business against diverse operational risks therefore forms a major part of this function’s responsibilities.**:

- ** The role of the Sales Governance function is further augmented by virtue of the nature of the business, with a large number of players in the housing finance space thinning operating margins. As a result, driving process/ operational efficiencies and team productivity is also a key aspect of this function’s contribution to the business.**:

- ** The Executive - Sales Governance MIS & Administration is responsible for providing administrative and coordination support for different Sales Governance processes/ initiatives, including expense approvals, payout/ incentive disbursements, branch stationery management etc. Additionally, this role also compiles Operational MIS for the consumption of the Head - Sales Governance, manages Reject Letter operations and tracks daily sales movement.**

**Key Challenges**
- ABHFL is in its inception phase as a company and in the midst of rapid growth. With several systems and processes still being incorporated.
- This role must be able to balance priorities of governance and business growth efficiently, expediting operations where possible with proactive communications, streamlined data templates, and any other optimizations in work operations, without compromising on the overarching role of facilitating governance.
- Maintaining accurate data by following up with the concern teams

**Enabling Skill Sets & Qualifications**
- Critical skill sets required to meet these challenges include execution excellence, time management, planning & organizing, business awareness, communication and advanced MS Excel skills.
- ** Education & experience required to fulfil this profile are a Graduate with 2 - 3 yrs of experience in a bank/ NBFC/ HFC, with exposure to sales operations**

**Key Result Areas**:Write** **the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)**:
**Key Result Areas**

**Supporting Actions**

Sales Governance Administration- Coordinate with stakeholders across the business, as required, following up for approvals/ process steps, for efficient governance operations
- Track daily sales movement through inputs from Risk and Operations teams, and from the system, reconciling and validating the same to ensure consistency and necessary reconciliations as required
- Providing operational ad-hoc support for different Sales Governance activities as required

Stationery Management- Ensure stationery (sales processing forms, dockets, sales contests, etc.) availability at all branches as required, planning and working with sale