Territory Sales Manager - Varanasi

About the organization

Aditya Birla Finance Limited, the lending and finance business within Aditya Birla Capital, focuses on specialized credit solutions across capital markets, corporate and trade finance, commercial real estate, mortgages, unsecured lending, digital lending, and wealth management. The business is among India’s leading NBFCs and operates with a broad product mix across multiple lending segments, backed by strong growth and profitability focus.

Role context

This position is part of the direct unsecured self-employed business, which addresses short-term and medium-term working capital needs for individuals, professionals, and businesses through secured-free lending products. The role involves working in a high-volume, retail-oriented environment where business quality, portfolio health, and delinquency control are critical.

The job requires a solid understanding of local market dynamics, occupational patterns, referral networks, and regional financial preferences in order to source leads, structure loans effectively, and improve competitive positioning.

Key responsibilities

• Drive local sales growth by creating new business opportunities, expanding referrals, and acquiring new customers.
• Meet sales targets by cultivating strong relationships within the local business and professional network.
• Identify prospective clients in the market, approach them, and convert them through tailored loan structures that fit their needs and support business margins.
• Conduct frequent client meetings and sales visits to build and convert the pipeline.
• Grow unsecured lending volumes by managing channel databases and using them strategically to keep the funnel active.
• Improve turnaround times for sanctioning by coordinating effectively with internal teams and strengthening channel relationships.
• Balance volume growth with value creation, keeping an eye on return on investment and pricing outcomes.
• Monitor service levels, efficiency metrics, and process adherence while adopting better practices to improve productivity.
• Strengthen distribution by building networking links and adapting to competition and product positioning in the market.
• Track competitive trends and identify emerging opportunities in the unsecured lending segment.
• Work with local networks and touchpoint management practices to speed up customer connectivity and loan processing, escalating issues when needed.
• Coordinate with risk and operations teams to ensure smooth, customer-friendly approval and booking flows.
• Suggest improvements in process design and technology usage to reduce turnaround time without compromising compliance.
• Resolve customer queries and complaints promptly, taking ownership where faster resolution is needed.
• Use close customer relationships to support post-sanction monitoring and identify early warning signs of non-performing assets.
• Carry out compliant sales operations in alignment with risk management principles and internal controls.
• Ensure documentation, credit administration, and escrow account requirements are completed properly for receivables lending and other transactions where applicable.
• Follow prescribed guidelines and control checks throughout the loan journey, and escalate potential risk cases in advance.
• Spot and report risks early to protect portfolio quality.
• Work with channel partners, customers, and the risk team on escalated cases.
• Collaborate with peer relationship managers to overcome challenges and support customer acquisition and sales growth.
• Maintain strong working relationships with internal stakeholders such as operations and risk teams to ensure efficient processing and issue resolution.

Candidate profile

The ideal candidate should be comfortable with field-based sales, local market development, relationship management, and cross-functional coordination in a lending environment. Success in the role depends on the ability to generate business, protect portfolio quality, and operate effectively within internal policies and controls.

Important notes

The role emphasizes business growth, operational discipline, client servicing, and risk awareness. Applicants should be prepared to work in the assigned territory and manage both acquisition and post-sanction responsibilities.