Credit Manager - Retail- Amritsar

Designation: Analyst

Location: India Haryana Panipat

Organization: Financial Services

Job Description:

Job Purpose

This role is responsible to strategically drive and scale the top line by devising sales and business strategies for tapping into the ABG Ecosystem – ABG Employees, Distributors, Vendors, etc.

Job Context & Major Challenges

Job Context/Job Challenges:Organizational Context

ABC Digital has been incorporated as a wholly owned subsidiary of Aditya Birla Capital in 2023 to engage in distribution of Aditya Birla Capital products and providing services to customers, including web-based services, e-commerce, and payments facilities and allied activities.

ABC Digital is developing an omni-channel based D2C platform (website and app) to acquire new customers and serve them seamlessly. In addition, ABC Digital has started a virtual engagement management through inbound and outbound calling. Also, ABC Digital is engaged in cross-selling different ABC products to walk-in branch customers.

ABC Digital is collaborating with all ABCL subsidiaries to deliver a truly personalized and seamless omni-channel experience for both new and existing customers by building capacity and enhancing productivity through investments in talent, technology, marketing, and data and analytics.

Key Challenges:

Making inroads into ABG ecosystem

Conducting marketing activities in these premises to create awareness and promote sales of financial products distributed by ABCD

Identifying business opportunities to scale business and drive topline from these premises

Providing services w.r.t financial products to people in these premises

Providing after sales services in these premises

Apart from tapping into the business opportunities in these plants, leveraging business opportunities in One ABC branches and also tapping into natural market/open market to increase sales in the assigned territory

Regular visits to ABG Plants/Factories near base branch location to ensure sourcing from ABG employees & their families, nearby townships

Ability to identify key influencers and build relationships with plant heads/local population in the worksite area

Willingness to travel often at a set frequency to the plant/factory location

Ability to connect with multiple levels/types of people- top senior management to plant workers- with clear understanding of their value & need system

Good and clear communication regarding financial awareness, product features, key differentiators of ABC product suite

Ability to navigate ambiguity and unchartered path without constant monitoring/supervision

Disciplined and dedicated and persistent- especially in new environment conditions

Willingness to go out of one’s way to provides superior customer service to ABG employees and workers, keeping the customer at the centre of every thought, word & action

Key Result Areas

KRA (Accountabilities) (Max 1325 Characters)

Supporting Actions (Max 1325 Characters)

KRA1

Sales Productivity

Driving topline in the assigned productivity

Achieving business targets

Maintaining a healthy product mix

KRA2

New Customer Acquisition

Increase customer acquisition in the assigned territory

Acquire new customers while identifying cross-sell and up-sell opportunities with existing customers and increasing no of products sold per customer

KRA3

Operational Effectiveness

Track and ensure efficient business processes/ operations across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)

Drive process efficiencies and faster TATs through interfacing with stakeholders across processes and functions (Risk, Operations, Sales Governance)

Adopt improved processes and best practices in order to enhance operational effectiveness, productivity and overall business contribution of DSAs for ABHFL

KRA4

Market Intelligence & Competition Awareness

Keep a close watch on the market to tap into new business opportunities

Continuous monitoring of the competition and its products/activities/engagements/strategies to stay ahead of the competition

Keep sharing market/competition updates to the seniors and management to help the company informed and stay ahead of competition

KRA5

Self Development

Invest in self learning and capability building

Leverage online/offline learning and development platforms for sef development