
Senior Key Relationship Officer- Retail-Bhopal
14 hours ago
Retail
Senior Key Relationship Officer- Retail-Bhopal
Location: MP22, Bhopal
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/Zone?
ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years 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 newer entrants in niche segments like affordable housing 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 has remained stable at ~37% as on December 2015.
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:
Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients
For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability
For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage
The (Sr.) Sales Officer (Direct) – ABHFL is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and AH (Sales), in terms of targeted book size, growth & customer service objectives.
Key Challenges
To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc.
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as
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/Zone?
required
To upgrade financial & operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability
To check credit quality via effective portfolio selection/ pre screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations
To ensure compliant sales operations at all times, despite sales pressures and market cycles
Enabling Skill Sets & Qualifications
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.
Education & experience required to fulfil this profile are a graduate with 0 - 2 yrs (3 – 4 yrs for Sr. Sales Officer) of sales experience in the Banking/ NBFC space.
4) Principal Accountabilities
Accountability/ Supporting Actions
Sales Planning & Operations
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.
Customer Acquisition/ Engagement
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required
Operational Effectiveness
Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance
Self Development & Internal Stakeholder
Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets
Management
Portfolio & Risk Management
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms
Ensure compliant sales operations and sound risk management in day-to-day operations
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality
Minimum Experience Level
0 - 4 years
Job Qualifications
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/Zone?
ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years 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 newer entrants in niche segments like affordable housing 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 has remained stable at ~37% as on December 2015.
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:
Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients
For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability
For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage
The (Sr.) Sales Officer (Direct) – ABHFL is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and AH (Sales), in terms of targeted book size, growth & customer service objectives.
Key Challenges
To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc.
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as
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/Zone?
required
To upgrade financial & operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability
To check credit quality via effective portfolio selection/ pre screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations
To ensure compliant sales operations at all times, despite sales pressures and market cycles
Enabling Skill Sets & Qualifications
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.
Education & experience required to fulfil this profile are a graduate with 0 - 2 yrs (3 – 4 yrs for Sr. Sales Officer) of sales experience in the Banking/ NBFC space.
4) Principal Accountabilities
Accountability/ Supporting Actions
Sales Planning & Operations
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.
Customer Acquisition/ Engagement
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required
Operational Effectiveness
Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance
Self Development & Internal Stakeholder
Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets
Management
Portfolio & Risk Management
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms
Ensure compliant sales operations and sound risk management in day-to-day operations
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality
-
Area Sales Manager-Bhopal
6 days ago
Bhopal, Madhya Pradesh, India Endurance Technologies Full time ₹ 5,00,000 - ₹ 12,00,000 per yearDear Aspirants,We are seeking a dynamic and self-driven Area Sales Manager (ASM) for our Aftermarket business in Bhopal. The candidate will be responsible for achieving sales targets, managing distributor and retailer networks, and driving market expansion in the assigned territory.Key Responsibilities:Manage sales and distribution of Endurance aftermarket...
-
Front Office Executive
2 days ago
Bhopal, Madhya Pradesh, India Courtyard by Marriott Bhopal Full time ₹ 6,00,000 - ₹ 12,00,000 per yearCompany DescriptionCourtyard By Marriott Bhopal, part of the Marriott Bonvoy portfolio, offers a journey of unique experiences with its renowned hospitality in the city of lakes. Known for delivering exceptional service, it aims to create memorable stays for guests. Located in Bhopal, Courtyard by Marriott provides premium accommodations and a range of...
-
Sales Manager – Automobile
6 days ago
Bhopal, Madhya Pradesh, India BHOPAL MOTORS PVT. Full time ₹ 12,00,000 - ₹ 24,00,000 per yearJob Title: Sales Manager – TVS DealershipLocation: Bhopal, Madhya PradeshExperience Required: 3–7 years (Automobile dealership sales experience preferred)Job SummaryWe are looking for a dynamic and result-oriented Sales Manager to lead the sales operations at our TVS dealership in Bhopal. The Sales Manager will be responsible for achieving sales targets,...
-
Sr. Human Resources Specialist, Bhopal
3 weeks ago
Bhopal, Madhya Pradesh, India Ground Zero Full timeRole Sr Human Resources Specialist Bhopal Experience 7-10 years Salary Up to 15 LPA Note- We are looking for candidates with experience in the social sector only About the Role The Senior HR Specialist will act as a strategic people partner for the senior leadership team in Madhya Pradesh This role balances strategic advisory responsibilities with...
-
Sales Executive
13 hours ago
Bhopal, Madhya Pradesh, India Drinx Full time ₹ 3,00,000 - ₹ 6,00,000 per yearJob Description – Sales Executive (Field)Company: DRINX Ventures Pvt. Ltd.Location: Bhopal & Indore, Madhya PradeshAbout UsDRINX Ventures Pvt. Ltd., based in Bhopal, is a fast-growing FMCG company offering "DRINX" — a refreshing coconut water with natural flavors and chewable coconut chunks. Our tagline "Sip, Slurppp, Snack" reflects our unique...
-
Social Media Executive
1 week ago
Bhopal, Madhya Pradesh, India Legal Services Bhopal Full time ₹ 6,00,000 - ₹ 8,00,000 per yearJob Opening: Social Media Executive & Video Editor – Bhopal Location:Bhopal (On-site / Hybrid)We are looking for acreative and passionate Social Media Executive & Video Editorto join our growing team.If you live and breathe social media trends, love creating engaging content, and know how to grow a page organically – this role is for youKey...
-
Corporate Sales Internship in Bhopal
15 hours ago
Bhopal, Madhya Pradesh, India EliteRoots Full time ₹ 5,00,000 - ₹ 10,00,000 per yearSelected Intern's Day-to-day Responsibilities IncludeBusiness Development:Identifying, approaching, and acquiring new retailers and corporate clients.Exploring opportunities for cross-selling and upselling existing products/services.Sales & Target Achievement:Meeting or exceeding monthly and quarterly sales targets for both retail and corporate...
-
Consultant Doctor- Bhopal
2 weeks ago
Bhopal, Madhya Pradesh, India BERKOWITS HAIR & SKIN CLINIC Full time ₹ 3,60,000 - ₹ 6,00,000 per yearJob descriptionJOB LOCATION : First Floor, Kwality Business Centre, Plot no 7, above IndusInd Bank, Board Office Square, Zone-II, Maharana Pratap Nagar, Bhopal, Madhya Pradesh 462011What you'll do :To develop as complete skin and hair Counselor and provide consultations to clients for their skin and hair-related problems.Suggesting and performing treatments...
-
Banking Officer
2 days ago
Bhopal, Madhya Pradesh, India AU Small Finance Bank Full time ₹ 5,00,000 - ₹ 10,00,000 per yearWe are Hiring for Bank Officer Branch Banking Minimum 2 years of experience in branch banking sales is requiredQualification : Minimum GraduationLocation : Bhopal, Madhya PradeshContact Person : Miss. Shayma KhanInterview Location : AU Small Finance BankAlankar Complex Plot No.10,Anna Nagar Zone-2 MP Nagar BhopalDate : 26th Aug25 | Time : 10 AM to 4...
-
Front Office Executive
3 weeks ago
Bhopal, Madhya Pradesh, India Rohan Krishnan ( Proprietor Of Angel Placements) Full timeJob DescriptionHello Candidate,We have urgent opening for Front Desk ExecutiveCompany Name -The NestDesignation-Front Desk ExecutiveExperience - 0 to 2 years (Freshers can also apply)Location -BhopalPlease forward your resume to [Confidential Information] or call at 8425817958Job Title:Front Desk ExecutiveLocation:The Nest, BhopalJob...