Relationship Manager SME LAP DSA Hyderabad

Job Description – Relationship Manager

Enriching Lives Winning as ONE

ONE-

ABC and its Employees are

united through Trust

As One Force that

transforms ABC into a

powerhouse conglomerate

We win by enriching lives

and by contributing to the

growth of our Emplolyees &

our Community

ABC Company Info

Aditya Birla Capital Limited ("ABCL") is the holding company for the financial services businesses of

the Aditya Birla Group. With subsidiaries/JVs that have a strong presence across Protecting, Investing

and Financing solutions, ABCL is a financial solutions group that caters to the diverse needs of its

customers across their life cycle. Powered by more than 38,000 employees, the businesses of ABCL

have a nationwide reach with over 1300 branches, more than 2,00,000 agents/channel partners and

various bank partners.

What makes an ideal ABC Citizen?

At ABC, we are constantly on the lookout for individuals who resonate with our 5 core values of

Speed, Passion, Integrity, Seamlessness and commitment and live them every day, while also

understanding our vision. We believe in building leaders who thrive on challenges, take the onus of

creating and sustaining strong teams, and forms strong networks as a result of effective relationship-

building.

Role Details

Business Aditya Birla Capital

Location Pan India

Role Relationship Manager /

 responsible for financing the short-term, medium-term,

and long-term working capital and supply chain needs of SMEs through a suite of customized

products with varied tenures.

 The key business metrics for success include loan book size, profitability, and a zero-tolerance

approach to delinquency.

 A strong understanding of business finance, loan structuring techniques, and credit administration is

essential to building credibility with customers and gaining a competitive edge.

 Deep knowledge of local market dynamics—including specific occupations/trades, industries, and

local financial and investment preferences—is critical for structuring loans effectively and identifying

new business opportunities.

 Expand market share in targeted locations and outpace competition.

 Continuously upgrade financial acumen, including knowledge of loan structuring methods and

business financials, to build trust and credibility with customers.

 Stay informed about recent market trends and evolving local market preferences to align with

customer needs.

 Ensure strong credit quality by conducting effective portfolio selection and pre-screening to minimize

the risk of non-performing assets (NPAs).

 Safeguard financed amounts by conducting post-sanction surveillance, maintaining strong client

relationships, and monitoring collateral to ensure the complete safety of the financing.

Key Responsibilities

• Sales Growth
  
  

Achieve Sales Targets Through The Following Actions

 Drive pipeline funnel to achieve book size and market share.

 Monitor local market trends and competitive offerings, identifying opportunities for business

expansion in the region.

 Ensure minimal client attrition through strong client engagement activities.

 Regularly engage with investment bankers, chartered accountants, and brokers to source new

business.

 Raise escalation on delinquent cases/potential NPAs and closely monitor these through the team for

collection dues.

 Track key accounts in the portfolio for business health and early warning signs of NPAs.

• Client Acquisition & Relationship Management
  
  

 Acquisition of new clients by identifying potential leads and conversion strategies.

 Increase area business volume through strong cross-selling initiatives and innovative product

offerings.

 Cultivate deeper customer relationships by ensuring faster turnaround times (TATs) in collaboration

with Credit Analysts.

 Utilize technology to improve operational efficiencies and responsiveness in customer service,

ensuring retention of existing customers.

• Disbursal - Timely Loan Disbursement with Proper Documentation
  
  

 Coordinating with internal stakeholders to process loan applications.

 Responding to queries from internal teams to ensure timely and accurate disbursal.

 Completing transactions with customers with the appropriate documentation.

• Market Intelligence
  
  

 Gather market intelligence on competitive strategies, policies, and processes regularly.

 Share the collected market intelligence with the Area Sales Manager to adjust business tactics

accordingly.

• Portfolio Quality & Profitability
  
  

 Track overdue accounts daily for the business and ensure timely collections.

 Intervene to ensure collection on initial overdue accounts in a timely manner.

 Ensure profitability by applying appropriate pricing strategies and processing fees.

 Implement cost management initiatives on a timely and accurate basis.

• Organization Process Efficiency
  
  

 Adhere to all processes for both pre and post-sourcing activities.

 Provide input to the Area Sales Manager for the Sales MIS to improve reporting and operational

performance.

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