Senior Relationship Manager- Mid Market
7 days ago
Aditya Birla Finance Limited
Senior Relationship Manager- Mid Market & Supply Chain - Ahemdabad
Location: Ahmedabad - Ratnaakar, Gujarat
Job Purpose
The purpose of this job is to acquire and grow the lending book for the SME segment for the assigned geography. The role entails both identification of newer customer segments, as well as strengthening existing customer relationships through continuous engagement and ensuring customer retention on the lending platform
Job Context & Major Challenges
Organizational Context
Aditya Birla Finance Limited ("ABFL"), a lending subsidiary of Aditya Birla Capital Limited is among the leading well-diversified non-banking financial services company in India. ABFL offers customized solutions in areas of personal finance, mortgage finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication. ABFL is registered with RBI as a systemically important non-deposit accepting non-banking finance company ("NBFC") and is amongst the top five largest private diversified NBFCs in India based on AUM
For the Quarter ended 31st December 2019, ABFL has a lending book of Rs billion and a net worth of Rs billion. ABFL's long-term credit rating of AAA (Stable) has been reaffirmed by ICRA in November 2019. ABFL also has long-term credit rating of AAA (Stable) by India Ratings, Perpetual debt credit rating of AA+ (Stable) by ICRA and AA+ (Stable) by India Ratings (Stable) and short-term credit rating of A1+ by ICRA & India Ratings.
The SME vertical specializes in funding all kinds of Indian business legal entities (private limited, public limited, proprietorships etc.) with a turnover of 500 Cr or more. The average ticket size of this lending is 5cr. .
The fact that the Vertical is sector agnostic and coupled with the dependence on the cash flows of its borrowers for recovering its dues requires all its personnel to have a very high credit appraisal skill set. Despite the Corporate Finance industry being materially large in size, given the ultra-high competition in this field from other financial institutions including banks who have greater access to cheaper funds translates into the sales personnel being required to have superior sourcing and negotiation skills. Additionally, the treadmill rolling nature of a sizeable portion of its business (short term repayments), the business requires high energy, ability to build deep relationships and market knowledge.
Job Context
Key Aspects:
The EB & WM function is engaged in funding short term, medium term and long-term working capital needs of SMEs via a suite of customized short and long tenured products.
While unit of sizing up the business is its loan book size, profitability and zero tolerance on delinquency are key business objectives
Strong understanding of business finance, loan structuring methods and credit administration are key to building credibility with customers and gaining competitive advantage
Understanding of local market patterns such as specific occupations/trade, industries at play, local financial and investment preferences and practices important to gain competitive advantage while structuring loans and identifying leads.
Key Challenges
Increase the market share in targeted locations against competition
Constantly upgrade financial, know-how of self on loan structuring methods and business financials in order to build credibility with customers
Stay abreast with the recent market trends and local market preferences and needs
Ensure credit quality and carry out effective portfolio selection and pre-screening to minimise risk of NPAs
To ensure complete safety of financed amount through post sanction surveillance by maintaining strong client relationships and monitoring collaterals
Key Result Areas
KRA (Accountabilities) (Max 1325 Characters)
Supporting Actions (Max 1325 Characters)
KRA1
Sales Growth
Achieves sales targets through:Driving pipeline funnel to achieve book size and market share
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 about health of the business and potential early warning signs of NPAs
KRA2
Client Acquisition
& Relationship
Management
Acquisition of new clients
Increases quantum of area business through strong focus on cross-selling initiatives & innovative product mixes.
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.
KRA3
Disbursal-Timely disbursement of the loans to customers with proper documentation
Coordinate with internal stakeholders to process the applications
Coordinate with internal teams and respond to their queries to ensure timely & accurate disbursal
Complete transactions with customer with appropriate documentation
KRA4
Market Intelligence-Gather market intelligence towards evolving competitive business strategy, policies & processes
Gather market intelligence on a regular basis
Share the market intelligence with the Area Sales Manager
KRA5
Portfolio quality, Profitability-Maintain quality of portfolio to minimize NPAs, Implement measures to ensure profitability
Track over-due account daily for the business
Intervene to ensure collection for initial overdue accounts on timely basis
Ensure profitability by right pricing, processing fees
Implement all cost management initiatives on a timely & accurate basis
KRA6
Organisation Process Efficiency-Implement process improvements to ensure process efficiencies
Adhere to all processes for pre & post sourcing processes
Provide inputs to Area Sales Manager for Sales MIS
Minimum Experience Level
2 - 14 years
Job Qualifications
Post Graduate
-
Senior Relationship Manager
3 days ago
Ahmedabad, Gujarat, India Peoplemint Consultants Full time ₹ 12,00,000 - ₹ 24,00,000 per yearHiring for" Relationship Manager – PSU (MMG Acquisition)" in a leading bank.Location-Ahmedabad /GujaratGrade- upto DVPJob Purpose:Responsible for acquiring and managingPublic Sector Undertaking (PSU) clients under the Mid-Market Group (MMG)segment, driving business growth through corporate banking products and solutions.Key Responsibilities:Acquire new PSU...
-
Mid Senior Laravel Developer
1 week ago
Ahmedabad, Gujarat, India TechFlitter Solutions Full time ₹ 4,20,000 - ₹ 10,80,000 per yearJob Title: Mid-Senior Laravel DeveloperExperience: 2-4 YearsLocation: Ahmedabad (onsite)Job Summary:We are seeking a passionate and motivated Junior Developer with hands-on experience in Laravel. The ideal candidate should be eager to learn, adapt, and contribute to both back-end and front-end development processes. This role involves supporting ongoing web...
-
Mid-Senior QA Engineer
3 days ago
Ahmedabad, Gujarat, India Thinkbiz Technology Pvt Ltd Full time ₹ 9,00,000 - ₹ 12,00,000 per yearCompany DescriptionThinkbiz Technology Pvt Ltd is located in Ahmedabad, Gujarat. Our office is situated at 402/3, 4th Floor, Sachet – 4, above Prime dine hotel, near Prernatirth Derasar Road, Jodhpur Village. We are committed to delivering innovative technology solutions tailored to meet the unique needs of our clients.Role DescriptionThis is a full-time...
-
Senior Relationship Manager – Debt
6 days ago
Ahmedabad, Gujarat, India GetFive Full time ₹ 12,00,000 - ₹ 36,00,000 per yearName of the organization – Getfive Advisors Pvt. Ltd.Getfive is a SEBI-registered Merchant Banking firm having offices in Mumbai and Ahmedabad. The firm specializes in IPOs and pre-IPO private equity fund-raising and debt. Along with the Merchant banking arm, the firm also manages an AIF focused on late-stage companies.Ahmedabad Address502, Abhishree...
-
Ahmedabad, Gujarat, India r3 Consultant Full time ₹ 12,00,000 - ₹ 36,00,000 per yearJob Title: Relationship Manager – Storage, Server, Cyber Security & CloudLocation:AhmedabadExperience:10+ yearsAbout the RoleWe are looking for a dynamic and seasonedRelationship Managerwith a proven background inIT Infrastructure and Cyber Security solutions. This role is critical to strengthening our presence in thedomestic Gujarat enterprise market. The...
-
Relationship Manager
7 days ago
Ahmedabad, Gujarat, India Standard Chartered Bank Full time ₹ 15,00,000 - ₹ 25,00,000 per yearJob ID: 40711Location: Ahmedabad, INArea of interest: Retail BankingJob type: Regular EmployeeWork style: Office WorkingOpening date: 24 Sept 2025Job SummaryAs a Standard Chartered Relationship Manager in SME Banking, you'll be responsible for managing and developing relationships with mid-sized and emerging corporates to drive business growth and meet the...
-
Digital Marketing Executive
3 days ago
Ahmedabad, Gujarat, India PPC Ads Manager Full time ₹ 40,00,000 - ₹ 80,00,000 per yearThis is a full-time remote role for a WordPress + SEO + Social Media Manager located in Ahmedabad, India. The individual will be responsible for managing and optimizing the company's WordPress websites, developing and implementing SEO strategies, and overseeing social media channels. Daily tasks include updating website and widgets on WordPress websites. CSS...
-
Relationship Manager
3 days ago
Ahmedabad, Gujarat, India Policybazaar Full time ₹ 8,00,000 - ₹ 12,00,000 per yearRole & responsibilities Job Title: Relationship ManagerDepartment: (Health Insurance)Employment Type: Hybrid (Field Sales/ Office)Industry: InsuranceApply Now Email your CV to: , Multiple Locations - AhmedabadJob Summary: We are actively seeking energetic and performance-driven Relationship Managers / Senior Relationship Managers to join our team across...
-
Senior Marketing Manager
3 days ago
Ahmedabad, Gujarat, India TIGI HR Full time ₹ 15,00,000 - ₹ 20,00,000 per yearPosition: Senior Marketing ManagerExperience: 10+ YearsJob Overview:We are looking for a strategic and results-drivenSenior Marketing Managerto lead our marketing efforts within the B2B manufacturing and packaging sector. This role is essential in boosting brand presence, expanding market reach, and generating qualified leads for our corrugated packaging...
-
Senior HR Operations Manager
1 week ago
Ahmedabad, Gujarat, India Weekday Full time ₹ 8,00,000 - ₹ 25,00,000 per yearThis role is for one of our clients Company Name: Sarga Consultants Industry: Staffing and Recruiting Seniority level: Mid-Senior level Min Experience: 12 years Location: Hyderabad, Ahmedabad JobType: full-time