Location Manager - Retail - Secured - Jammu

Role Overview

The Location Manager at Aditya Birla Capital will lead sales planning and management for the Jammu location, overseeing operational performance to meet targets. This involves crafting strategies in alignment with territorial heads, monitoring market trends, and managing a sales team to drive growth, profitability, and customer satisfaction.

Key Responsibilities

• Collaborate with the Territory Head to formulate and implement a location-specific sales strategy that considers competition, product factors, and local market conditions.
• Continuously monitor industry changes and competitor activities within the Jammu market.
• Oversee comprehensive location operations including sourcing, governance, productivity, and channel management.
• Evaluate sales performance metrics and foster a culture focused on high achievement.
• Manage day-to-day operational and administrative functions at the location.
• Compile and analyze periodic MIS reports covering disbursements, profitability, NPAs, and market growth to inform leadership and team members.
• Identify and capitalize on local business expansion opportunities, focusing on acquiring new customers and growing the sales book.
• Support team members in handling complex transactions to ensure positive customer outcomes.
• Clearly communicate sales targets, business objectives, and product details to enhance team effectiveness.
• Address customer complaints promptly, coordinating with stakeholders to ensure satisfactory resolution.
• Implement approved sales-driving initiatives and solutions aimed at expanding sales and optimizing costs.
• Promote efficient business processes throughout the customer lifecycle including sourcing, approval, servicing, and collections.
• Manage local distribution channels and foster strong relationships with senior partners for seamless operations.
• Enhance operational efficiency and reduce turnaround times by engaging with internal stakeholders like Risk, Operations, and Sales Governance teams.
• Lead adoption of cross-selling strategies in coordination with the Territory Head and support team training and communication.
• Develop and mentor the sales team to improve acquisition efforts and overall performance, recommending relevant training and personal development.
• Coordinate with internal stakeholders to ensure alignment and smooth cross-functional operations supporting business goals.
• Collaborate with Risk and Operations teams to enforce compliance with risk management frameworks and sales governance standards.
• Participate in credit approval and review processes ensuring proper documentation and controlled disbursement.
• Analyze location-level financial data and MIS reports to identify risk factors impacting portfolio quality and support early alert strategies to minimize NPAs.
• Guide the team on delinquency management and timely closure of overdue accounts, promoting sound sales and risk management practices.

Additional Information

This full-time, onsite position is based in Jammu & Kashmir, India, focusing on retail secured sales management within Aditya Birla Capital. The manager will be accountable for driving a high-performance sales team, ensuring operational excellence, and maintaining rigorous risk oversight to safeguard portfolio quality.