Senior Key Relationship Officer

Job Context amp Major ChallengesWhat are the specific aspects of the job that provide a challenge to the jobholder in the context of the UnitZoneABHFL operates in the Rs trillion Indian Housing Finance market which has grown at a steady rate of CAGR over the last years while reporting good asset quality despite challenges in the operating environment While the industry is dominated by five large groups there has been an emergence of newer entrants in niche segments like affordable housing and selfemployed borrowers given the high potential in these segments Despite increased focus by banks HFCs have been able to maintain their share in the mortgage market and has remained stable at as on December The ABHFL Sales organization works broadly with customer segments retail individual customers institutional customers for retail and institutional loan consumers and builders for both retail tieups and construction finance with a major share of the business coming from retail customers Client segments can also be divided into Salaried and Self employed with both of these having very different preferences and needsJob ContextKey AspectsProviding housing finance to buyers Loan against Property Commercial Property Purchase Lease Rental Discounting and Construction Finance to builders solutions ABHFL caters to a diverse range of customer segments through its various service offerings Additionally being predominantly retail driven the business is characterized by high volume of loan transactions and customer relationships As a result ABHFL business performance is strongly impacted by people process and organizational efficiencies alongside core business drivers such as product solution quality channel and customer relationship management and risk managementWhile unit of sizing up the business is its loan book size profitability and minimized delinquency are also key business objectivesHigher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clientsFor retail customers identifying and acting on relevant needs in an efficient manner ensuring process statutory and regulatory compliance at all times are key for building business performance and sustainabilityFor institutional builder customers understanding and addressing business needs via proactive relationship management and customized solution fitment while ensuring compliance at all times are important to gain competitive advantageThe Sr Sales Officer Direct ABHFL is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager Direct and AH Sales in terms of targeted book size growth amp customer service objectivesKey ChallengesTo execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors such as competitor presence existing relationships new prospect opportunities etcTo liaise with groundlevel client stakeholders for relationship origination and maintenance focusing energies on key clients prospects and escalating cases as Job Context amp Major ChallengesWhat are the specific aspects of the job that provide a challenge to the jobholder in the context of the UnitZonerequiredTo upgrade financial amp operational know how on market local trends effective negotiation and relationship building and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitabilityTo check credit quality via effective portfolio selection pre screening and work with Risk team members to minimize potential NPAs while driving efficient sales operationsTo ensure compliant sales operations at all times despite sales pressures and market cyclesEnabling Skill Sets amp QualificationsCritical skill sets required to meet these challenges include commercial acumen communication productmarket awareness and execution skillsEducation amp experience required to fulfil this profile are a graduate with yrs yrs for Sr Sales Officer of sales experience in the Banking NBFC space Principal AccountabilitiesAccountability Supporting ActionsSales Planning amp OperationsWork with Sales Manager Direct ABHFL and plan sales operations for achieving targets including crosssell considering competitive forces and local trendsScan the local market and competitive offerings on a periodic basis to adapt sales efforts accordinglyProvide data for and compile periodic MIS reports for disbursements NPAs target achievement etcCustomer Acquisition EngagementWork on assigned and identified prospects list for client relationship origination and maintenance activities interacting with groundlevel client stakeholdersUnderstand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales effortsAttend to customer complaints effectively escalating critical cases to Sales Manager Direct ABHFL as requiredOperational Effectiveness Execute operations efficiently across the Customer Lifecycle Sourcing Approval Servicing CollectionsEnsure adequate focus on different distribution channels working with Manager for interfacing with senior stakeholders complex casesImplement prescribed processes and best practices to enhance operational effectiveness productivity and sales performanceSelf Development amp Internal Stakeholder Attend relevant technical and behavioral trainings seminars and work on self development initiativesCoordinate with internal stakeholders for smooth operations and alignment towards achievement of targetsManagement Portfolio amp Risk ManagementWork with the Risk Operations and Sales Governance team members to ensure adherence to risk management and control mechanismsEnsure compliant sales operations and sound risk management in daytoday operationsCompile and ensure systematic accurate MIS on NPAs and credit trends providing inputs on factors impacting portfolio quality