Relationship Manager SME - LAP DSA

Role overview

This position is for a Relationship Manager focused on SME lending, particularly LAP and DSA-led business in Vijayawada. The role centers on driving secured business finance growth by sourcing customers, building relationships, and ensuring healthy portfolio performance.

About the organization

Aditya Birla Capital Limited is the holding company for the financial services businesses of the Aditya Birla Group. Through subsidiaries and joint ventures across protection, investing, and financing solutions, the group serves customers across their financial lifecycle. The business operates with a large employee base, a nationwide footprint, and a broad network of branches, agents, channel partners, and banking partners.

What the organization values

The company looks for people who align with its core values of speed, passion, integrity, seamlessness, and commitment. The environment emphasizes ownership, relationship-building, leadership potential, teamwork, and the ability to handle challenges while strengthening networks.

Key focus areas

• Support financing needs for SMEs across short-, medium-, and long-term working capital and supply chain requirements using tailored loan products.
• Grow book size, profitability, and market share while maintaining a strict zero-tolerance stance on delinquency.
• Develop a solid grasp of business finance, loan structuring, and credit administration to strengthen customer confidence and competitive advantage.
• Use knowledge of local industries, occupations, trade patterns, and financial preferences to structure suitable loans and identify new opportunities.
• Track market movements and customer preferences to keep offerings relevant and competitive.
• Maintain portfolio quality through careful selection, pre-screening, post-sanction monitoring, and collateral oversight.

Sales growth responsibilities

• Build and move the sales funnel to achieve target book size and increase market share.
• Watch local market developments and competing offers to spot growth opportunities in the region.
• Reduce customer churn by maintaining regular engagement and relationship touchpoints.
• Coordinate with investment bankers, chartered accountants, and brokers to generate new business leads.
• Escalate delinquent and potentially non-performing accounts promptly and monitor recovery actions with the team.
• Keep a close eye on key portfolio accounts for business health indicators and early warning signs.

Client acquisition and relationship management

• Identify prospective customers and convert qualified leads into business.
• Improve business volume through cross-selling and by offering relevant products in a thoughtful way.
• Strengthen customer relationships by working with credit analysts to improve turnaround time.
• Use technology to improve service speed, operational efficiency, and customer retention.

Loan disbursal and documentation

• Coordinate with internal teams to move loan applications through the process.
• Address internal queries so that disbursals happen accurately and on time.
• Complete customer transactions with the required supporting documents in place.

Market intelligence

• Collect regular intelligence on competitor strategies, policies, and operating methods.
• Share market insights with the Area Sales Manager to help refine business strategy.

Portfolio quality, profitability, and efficiency

• Review overdue accounts every day and push timely collections.
• Act early on initial overdue cases to support recovery.
• Support profitability through suitable pricing and processing fee decisions.
• Implement cost control initiatives accurately and on time.
• Follow all pre-sourcing and post-sourcing processes consistently.
• Contribute inputs for Sales MIS to improve reporting and performance tracking.

Company information

Aditya Birla Capital Limited, as part of the Aditya Birla Group, operates across financial services with a wide national reach and significant scale through employees, branches, channel partners, and banking relationships.

Additional information

No specific eligibility, salary, openings, or start date details were provided in the source. The position is based in Vijayawada, Andhra Pradesh, India, and is a full-time onsite role.