Job Purpose He should be responsible for quality coal lifting and managing the daily asking rate He should be knowledgeable about coal quality and awareness of mines management Good interpersonal skill and coordination with logistics Preferred coal mining industry experience Aware about logistics and fleet management Should be responsible for daily MIS and documentation part of delivery order (DO) Should have basic knowledge of excel, word and PPT

Job Purpose Job Purpose Description To support the mechanical maintenance and smooth functioning of critical equipment including the Hot Rolling Mill, Cold rolling mill, finishing line, Soaking Pits, Scalper, Stiffleg Crane and utility. This role ensures reliable operation through preventive maintenance, timely repairs, and troubleshooting of mechanical systems, minimizing machine downtime while upholding safety, quality, and operational efficiency Key Result Areas/Accountabilities Supporting Actions Equipment Availability & Uptime Ensure high mechanical availability of Hot Rolling Mill, cold rolling Mill, finishing line, soaking pits, scalper, and stiffleg crane through timely preventive and breakdown maintenance. Target minimal downtime and quick restoration of operations after mechanical failures. Preventive Maintenance Execution Breakdown Response & Troubleshooting Follow scheduled preventive maintenance plans to avoid unplanned breakdowns. Maintain accurate logs and documentation for all maintenance activities. Respond quickly and effectively to mechanical issues, identifying root causes and implementing solutions with minimal delay. Coordinate with production and electrical teams to ensure quick turnaround. Safety & Compliance Follow all safety procedures while working in high-risk zones like soaking pits and under heavy machinery. Ensure all tools, equipment, and procedures comply with company and industry safety standards. Mechanical Integrity & Quality Maintain proper alignment, lubrication, and calibration of mechanical parts. Ensure that repairs meet quality standards and reduce recurring issues. Documentation & Reporting Maintain detailed records of maintenance activities, failures, and corrective actions. Provide timely reports to shift engineers or supervisors for review and planning. Spare Parts & Tool Management Ensure availability of critical spare parts and tools required for emergency repairs. Raise requisitions for parts and report shortages proactively. Support During Shutdowns & Projects Assist in planned shutdowns for overhauls, installations, or major mechanical projects. Support execution of improvement initiatives in coordination with engineers.

AB Housing Finance Limited Senior Relationship Manager - Construction Finance Location: Guindy - Chennai, Tamil Nadu Job Purpose Job Purpose Description Job Context & Major Challenges Organizational Context Key Aspects: Part of the Aditya Birla Capital Limited, Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property and construction finance. The company acquired its license on 9th July 2014 and has aggressive growth plans. The ABHFL Sales organization works broadly with 3 customer segments – retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups 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 needs. Job Context Key Aspects: The Construction Finance division caters to the short term and long term funding needs of the developers against project across the country. The product portfolio includes Construction finance against projects and Structured finance against committed cash flow of developers. The role holder is entirely responsible for Relationship building and structuring of all deals and managing the portfolio. Loan approvals entail a good mix of profile checks, balance sheet lending and collateral assessment. An in-depth understanding of the customer’s business model, customers & suppliers, success factors and dependencies needs to be taken into account given these are long term exposures [ranging upto 15 – 20 years]. The financials are assessed to understand the repayment capability in the near and long term All of the above can lead to strong competitive differentiation and enable quicker market penetration and profitable growth The lending program requires assessing clients on various dimensions, including income, repayment behavior, stability of income/ residence, profile, collateral [valuation, marketability], ownership structure of business and the property and many others. The role holder is entirely responsible for Relationship building and structuring of all deals and managing the portfolio. Key Challenges This is high risk and high return business, highly volatile but secured. Present CF portfolio is approx. 5% of HFC book though contributes approx. 23% of bottom line. CF book is Critical from overall retail home loan business proposition and remain competitive in market. Number of borrowers may be less but it demands high relationship management skills as projects and customers require day to day monitoring and dealings almost on a weekly basis. HFC business is diversified in terms of geography and customers, we neither can have bulky exposure on book nor concentration on geographies, thus Construction Finance business in HFC also should be in line with the exiting retail proposition, this requires Onboarding of smaller clients with the same amount of work and quality as in case of large corporate borrower. Enabling Skill Sets & Qualifications The critical skill sets required to meet these challenges are Building builder relationships, past experience in Real estate debt or equity business, Structuring knowledge, communication & presentation skills, strong Real estate market network & high customer service orientation. The education & experience required to fulfil this profile are a Post graduate with minimum 4 to 8 yrs of experience in Real estate lending space Key Result Areas KRA (Accountabilities) (Max 1325 Characters) Supporting Actions (Max 1325 Characters) KRA1 Implement the sales plan for the Construction Finance division, building relationships with developers and identifying areas of opportunity for ABHFL Drive on-ground sales for the construction finance division by building strong relationships with developers and promoters Manage direct relationships with key promoters the location to identify and access opportunities for project lending, leverage the existing developer base and Group relationships by building strong relationships with key resources. Drive an increase in fee based income from real estate developers Promote cross-selling / up selling of group financial product offerings and utilize them as value differentiators; e.g. the home loan business is a big opportunity for creating scale through this channel. Source timely, accurate, quality and pertinent information and data primarily through market research/ feedback to assist in decision making of viability of project KRA2 Build superior customer service levels and a strong value proposition while ensuring compliance to internal risk parameters Gain a thorough understanding of customer needs and requirements Understand the technical and financial aspects of projects including project size, progress and risk factors Structure customized deals as per internal parameters and suit customer requirements Oversee the initial stages of the risk management process, collating the necessary documentation, carrying out preliminary risk assessments and forwarding the files to the credit team Coordinate with the risk and operations teams to evaluate and approve loan applications, while maintaining customer service levels including turn-around-time Communicate with customers on a periodic basis, identifying and addressing their issues so as to maintain high levels of customer satisfaction Manage the account renewal process, ensuring continuing relationships with key customers KRA3 Ensure compliance to internal risk parameters and monitor the health of customer accounts on a periodic basis to minimize risk and potential delinquencies Ensure that internal risk parameters and external regulatory norms are followed at all points in the lending process Ensure the maintenance of acceptable asset quality of CF loans; track delinquencies closely so as to minimize NPA levels Ensure that key parameters related to projects and developers are monitored closely on a continuous basis, so as to mitigate potential risk factors Understand local currents and risk factors, providing an input to take decisions on new and existing loans KRA4 Implement the sales plan for the Construction Finance division, building relationships with developers and identifying areas of opportunity for ABHFL Drive on-ground sales for the construction finance division by building strong relationships with developers and promoters Manage direct relationships with key promoters the location to identify and access opportunities for project lending, leverage the existing developer base and Group relationships by building strong relationships with key resources. Drive an increase in fee based income from real estate developers Promote cross-selling / up selling of group financial product offerings and utilize them as value differentiators; e.g. the home loan business is a big opportunity for creating scale through this channel. Source timely, accurate, quality and pertinent information and data primarily through market research/ feedback to assist in decision making of viability of project Minimum Experience Level 10 - 13 years Job Qualifications Other Degree

AB Sun Life Insurance Co Ltd Branch Manager - Direct Sales Force -Jajpur (Odisha) Location: Bus Stand Bypass Road,Jajpur, Orissa 1) Job Purpose The purpose of this job is to manage a team of Agency Managers, ensure advisor recruitment as per plan, and assist the Branch Head to make the branch a profit centre and to achieve annual business targets. 2) Dimensions What are the areas (in quantitative terms) the job has an impact on? Dimension Remarks 1. Manpower (Nos.) 8 to 10 AMs 2. Annualised Premium (in Cr) 50 Lac to 1.5 Cr 3. Policies (Nos) 100 to 500 4. Net Annualised Advisor Commission (NAAC) (in Cr) 10 Lac to 30 Lac 5. Persistency 85% 13 month Rolling Premium Persistency 6. Sales Progression Maintain 30% of sales progression in the team 7. Licensing Create distribution as defined in the targets 3) Job Context & Major Challenges (What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone? Key Challenges for the role – Unavailability of Quality Manpower in terms of Agency Managers and advisors, Retention of Quality Manpower Licensing of Advisors – Pass Percentage is very low, getting examination dates for Online Examination is very difficult. Fluctuating market condition Delay in completion of business during month end as it involves the long process to issue the policy (starting from policy receipting, scanning, completing requirement, medical follow ups and finally the completion). Infrastructure constraints Ensuring that business is carried out as per the compliance & regulatory environment 4) Principal Accountabilities Accountability Supporting Actions Ensure performance of assigned Agency Managers with respect to recruitment of Advisors & achievement of business targets. Recruit quality resource Ensure performance standards of recruitment , activisation , policies & premium are met by the assigned agency managers Maintain the profitability: Of the advisor Of the Branch. Keep track on Advisors Contest and Clubs Keep track on various training needs. Sharing good sales practices. Provide support to AM by participating in sales/recruitment. Be responsible for the market conduct of the assigned agency managers and the advisors in their team Maintain the Sales Report on Introduction and Issued Business Develop the Agency Manager’s (goal sheets). Carry out goal setting exercise with his team enabling the FLS team to deliver the expected productivity & subsequently leading the team to progress to next progression level. Manage persistency and business health for the allotted branch so that functional goals are achieved. Manage sales force attrition as per bench mark. Maintain quality of business for better persistency. Relationship Management (Internal & External) to drive performance. Maintain healthy & cordial relation with team of Agency Managers as well as all concerned departments. Maintain one to one contact with all advisors. Ensure reaching of communication to the advisors of his team about new product, schemes, clubs, etc. (using FLS as key point of contact). Visit top advisors in regular intervals. Drive local sales promotion effort for to support team members in achieving business targets Anticipate sales promotion opportunities in the area of operation and devise innovative promotional activity. Driving various contests Ensure Risk Management as per company policy. Carrying out the business activities as per the compliance & regulatory environment. Ensure (by doing basic screening & basic sanity checks) the applications that healthy business is introduced in the system. Be responsible for the market conduct of the assigned agency managers and the advisors in their team Manage administrative responsibilities of the branch in the absence of the Branch Head. Assist the Branch Head in carrying out the branch administrative responsibilities / in the absence of Branch Head Monitor operational costs Facilitate in resolving any people or client related issues. Team Management Ensure through continuous on the job training, skill enhancement of team Mentor, supervise and coach the team. Provide for on the job as well as classroom training for skill enhancement Ensure periodic job rotation to give a higher exposure to the team members on all aspects. 6) Relationships (If Applicable) Internal Frequency Nature Support staff of branch Operations Accounts HO Frequency: Daily Need based Need based Nature: To manage branch related issues, MIS. To manage policy, customer related issues Commission pay out External Frequency Frequency: Regular Regular Nature Peers in competitor companies Recruiting agencies Nature: To gain market understanding To ensure AM recruitment Minimum Experience Level 6 - 10 years Job Qualifications Other Degree

Aditya Birla Health Insurance ASM - TPD Sales - HDFC Tele - Chandigarh Location: ABHI Chandigarh, Chandigarh About the Health Insurance Industry – While the current market sees more than 15 non-life players in the private space and 5 exclusive private players in the health insurance space trying to capture a sizable market share, the nationalised service provider (6) remains a strong competitor. In addition to this the business dynamics are such that the overall market on an annual basis which is to the tune of roughly 10,000 Crs sees close to 85 % of the business renewing with the existing service provider itself. This narrows down the opportunity of the fresh business actually being seriously fought in the market to approximately 1500 odd Crs. With the SME and the start-ups being the driving force of Indian economy, the opportunity to cater to these segments is immense and is increasing manifold year on year. The challenge here therefore remains as to how we capture a larger share of the opportunity by developing specific solutions to cater each segment of the business. Also by creating an inexpensive and standardized solution to increase the reach into the pockets of channel partners across the country to harness on their captive business and explore new opportunities with them. Market Opportunities – With the advent of medical advancements, lifestyle changes, change in Indian socio-economic scenario and Indian healthcare space, and the insurers are facing challenges to cater to the needs of this diverse clientele. Increasingly Indian customers have started considering health insurance partners as ententions of health advisers. In this scenario it becomes extremely important to understand their psyche and then provide tailored solutions with wellness benefits which would help them meet their end objectives and bring in profitable revenue source for the company. About the Aditya Birla Health Insurance – Aditya Birla Health Insurance Co. Limited (ABHICL) was incorporated in 2015 as a 51:49 joint venture between Aditya Birla Capital Limited (ABCL) and MMI Strategic Investments (Pty) Ltd. ABHICL commenced its operations in October 2016. ABHICL has entered the competitive health insurance market with an aim to expand the category to wider customer segments, beyond the ones that health insurance companies traditionally have marketed to. As the 6th entrant in a category with well-established players, ABHICL is creating differentiation and equity for itself though the unique business proposition of “Health Insurance for All”, a one of a kind proposition in India at the moment. This is a philosophy that is being built through every single consumer touch point and into every single backend process of the company to ensure a customer’s experience of our proposition is continuous and seamless. ABHI’s unique offering to market includes proposition includes - A Comprehensive Incentivized Wellness Program that will attract the young and health conscious and will motivate, guide and reward them to stay healthy A Chronic Care Management Program to cater to the unmet needs of a growing Indian population of those suffering from chronic lifestyle conditions like Diabetes, Asthma, High Cholesterol and Hypertension from Day 1 ABHICL serves as an enabler and influencer of health and healthcare choices that customers make, in addition to being a payer of healthcare expenses. Thus, ABHICL would act like a much needed catalyst to grow the prevalent health insurance landscape in India through product innovations and a wider choice of consumer relevant products. ABHICL’s vision has always been digital. The company has been successful in adopting paper-less approach right from identifying to on-boarding to delivering seamless experience of its customers & employees. Key Challenges for the role – Gaining greater mindshare of partners in a multi-partner architecture. In the new open architecture, a partner gives access to limited channels or geography. This consequently leads to sharing of the same revenue pie and thereby reduced revenue from each partner Managing multiple relationships – and thereby managing differing partner expectations across a wide spectrum of customer segments and reach. Drive POS activation: With multiple products being available to a POS, and because of low ticket size it is important to ensure interest of POS among the wide spectrum of products available and achieve month on month activation. 4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas) Key Result Areas Supporting Actions Driving sales via Various partners for TPD sales Continuous interaction with brokers and other intermediaries Obtaining quote request from market & Delivering them on time to the client/partners Periodic tracking of business volumes and growth. Seek and ensure support from various stake holders to ensure achievement of business targets. Partner engagement and Acquisitions Understand market dynamics and offering of other manufacturers to the channel partners Take regular feedback from channel partners to help innovate products and provide solutions at an organizational level Pursue client specific requirement along with channel partners to support conversion Maintaining Pipeline Managing a pipeline to achieve desired numbers ant to continuously updating the same P & L Managing Overall P&L of the portfolio and deliver planned business output in desired product mix and quality Working with product team to focus on conversions and retention of profitable clients Weekly tracking of business growth. Seeking support from various stake holders towards closure of business Enable sales force to ensure productivity and retention Ensure communication of progression plans and incentives, thereby align expectations of team and incentivize team to perform at optimal levels. Objectives. Renewal persistency Decoding client’s requirement, pain points and opportunity areas Providing need based solutions to clients to increase stickiness. This would involve building & strengthening relationships across various stakeholders within the company, in the concerned partner to ensure that the offering we propose, meets their expectations. Identify and develop a team of sales professionals for the Channel Recruit the best talent from the available clutter Coach and Develop team members Build People capability Minimum Experience Level 5 - 15 years Job Qualifications Graduate,Post Graduate

Entity Name: Aditya Birla Sunlife Insurance Department: Third Party Disturbution - DCB,IB,IDFC Etc Reports to: Sales Manager Purpose To drive life insurance business through HDFC Bank branches by building strong relationships, ensuring product penetration, and achieving business targets. Key Responsibilities Build & manage relationships with partner banks Achieve sales, revenue & persistency targets Train & support bank staff on life insurance products. Ensure compliance with IRDAI/regulatory norms. Monitor partner performance & resolve issues quickly. Must Haves Good knowledge of equity and financial products 1–5 years’ experience in sales, bancassurance, or financial services Excellent communication & relationship skills Qualification: Graduate in any discipline Minimum Experience Level 0 - 4 years Job Qualifications

Aditya Birla Health Insurance ASM - AU Bank - Chandigarh Location: Chandigarh - Sec 8C, Chandigarh About the Health Insurance Industry – While the current market sees more than 15 non-life players in the private space and 5 exclusive private players in the health insurance space trying to capture a sizable market share, the nationalised service provider (6) remains a strong competitor. In addition to this the business dynamics are such that the overall market on an annual basis which is to the tune of roughly 10,000 Crs sees close to 85 % of the business renewing with the existing service provider itself. This narrows down the opportunity of the fresh business actually being seriously fought in the market to approximately 1500 odd Crs. With the SME and the start-ups being the driving force of Indian economy, the opportunity to cater to these segments is immense and is increasing manifold year on year. The challenge here therefore remains as to how we capture a larger share of the opportunity by developing specific solutions to cater each segment of the business. Also by creating an inexpensive and standardized solution to increase the reach into the pockets of channel partners across the country to harness on their captive business and explore new opportunities with them. Market Opportunities – With the advent of medical advancements, lifestyle changes, change in Indian socio-economic scenario and Indian healthcare space, and the insurers are facing challenges to cater to the needs of this diverse clientele. Increasingly Indian customers have started considering health insurance partners as ententions of health advisers. In this scenario it becomes extremely important to understand their psyche and then provide tailored solutions with wellness benefits which would help them meet their end objectives and bring in profitable revenue source for the company. About the Aditya Birla Health Insurance – Aditya Birla Health Insurance Co. Limited (ABHICL) was incorporated in 2015 as a 51:49 joint venture between Aditya Birla Capital Limited (ABCL) and MMI Strategic Investments (Pty) Ltd. ABHICL commenced its operations in October 2016. ABHICL has entered the competitive health insurance market with an aim to expand the category to wider customer segments, beyond the ones that health insurance companies traditionally have marketed to. As the 6th entrant in a category with well-established players, ABHICL is creating differentiation and equity for itself though the unique business proposition of “Health Insurance for All”, a one of a kind proposition in India at the moment. This is a philosophy that is being built through every single consumer touch point and into every single backend process of the company to ensure a customer’s experience of our proposition is continuous and seamless. ABHI’s unique offering to market includes proposition includes - A Comprehensive Incentivized Wellness Program that will attract the young and health conscious and will motivate, guide and reward them to stay healthy A Chronic Care Management Program to cater to the unmet needs of a growing Indian population of those suffering from chronic lifestyle conditions like Diabetes, Asthma, High Cholesterol and Hypertension from Day 1 ABHICL serves as an enabler and influencer of health and healthcare choices that customers make, in addition to being a payer of healthcare expenses. Thus, ABHICL would act like a much needed catalyst to grow the prevalent health insurance landscape in India through product innovations and a wider choice of consumer relevant products. ABHICL’s vision has always been digital. The company has been successful in adopting paper-less approach right from identifying to on-boarding to delivering seamless experience of its customers & employees. Key Challenges for the role – Gaining greater mindshare of partners in a multi-partner architecture. In the new open architecture, a partner gives access to limited channels or geography. This consequently leads to sharing of the same revenue pie and thereby reduced revenue from each partner Managing multiple relationships – and thereby managing differing partner expectations across a wide spectrum of customer segments and reach. Drive POS activation: With multiple products being available to a POS, and because of low ticket size it is important to ensure interest of POS among the wide spectrum of products available and achieve month on month activation. 4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas) Key Result Areas Supporting Actions Driving sales via Various partners for TPD sales Continuous interaction with brokers and other intermediaries Obtaining quote request from market & Delivering them on time to the client/partners Periodic tracking of business volumes and growth. Seek and ensure support from various stake holders to ensure achievement of business targets. Partner engagement and Acquisitions Understand market dynamics and offering of other manufacturers to the channel partners Take regular feedback from channel partners to help innovate products and provide solutions at an organizational level Pursue client specific requirement along with channel partners to support conversion Maintaining Pipeline Managing a pipeline to achieve desired numbers ant to continuously updating the same P & L Managing Overall P&L of the portfolio and deliver planned business output in desired product mix and quality Working with product team to focus on conversions and retention of profitable clients Weekly tracking of business growth. Seeking support from various stake holders towards closure of business Enable sales force to ensure productivity and retention Ensure communication of progression plans and incentives, thereby align expectations of team and incentivize team to perform at optimal levels. Objectives. Renewal persistency Decoding client’s requirement, pain points and opportunity areas Providing need based solutions to clients to increase stickiness. This would involve building & strengthening relationships across various stakeholders within the company, in the concerned partner to ensure that the offering we propose, meets their expectations. Identify and develop a team of sales professionals for the Channel Recruit the best talent from the available clutter Coach and Develop team members Build People capability Minimum Experience Level 4 - 12 years Job Qualifications Graduate,Post Graduate

About the Health Insurance Industry – While the current market sees more than 15 non-life players in the private space and 5 exclusive private players in the health insurance space trying to capture a sizable market share, the nationalised service provider (6) remains a strong competitor. In addition to this the business dynamics are such that the overall market on an annual basis which is to the tune of roughly 10,000 Crs sees close to 85 % of the business renewing with the existing service provider itself. This narrows down the opportunity of the fresh business actually being seriously fought in the market to approximately 1500 odd Crs. With the SME and the start-ups being the driving force of Indian economy, the opportunity to cater to these segments is immense and is increasing manifold year on year. The challenge here therefore remains as to how we capture a larger share of the opportunity by developing specific solutions to cater each segment of the business. Also by creating an inexpensive and standardized solution to increase the reach into the pockets of channel partners across the country to harness on their captive business and explore new opportunities with them. Market Opportunities – With the advent of medical advancements, lifestyle changes, change in Indian socio-economic scenario and Indian healthcare space, and the insurers are facing challenges to cater to the needs of this diverse clientele. Increasingly Indian customers have started considering health insurance partners as ententions of health advisers. In this scenario it becomes extremely important to understand their psyche and then provide tailored solutions with wellness benefits which would help them meet their end objectives and bring in profitable revenue source for the company. About the Aditya Birla Health Insurance – Aditya Birla Health Insurance Co. Limited (ABHICL) was incorporated in 2015 as a 51:49 joint venture between Aditya Birla Capital Limited (ABCL) and MMI Strategic Investments (Pty) Ltd. ABHICL commenced its operations in October 2016. ABHICL has entered the competitive health insurance market with an aim to expand the category to wider customer segments, beyond the ones that health insurance companies traditionally have marketed to. As the 6th entrant in a category with well-established players, ABHICL is creating differentiation and equity for itself though the unique business proposition of “Health Insurance for All”, a one of a kind proposition in India at the moment. This is a philosophy that is being built through every single consumer touch point and into every single backend process of the company to ensure a customer’s experience of our proposition is continuous and seamless. ABHI’s unique offering to market includes proposition includes - A Comprehensive Incentivized Wellness Program that will attract the young and health conscious and will motivate, guide and reward them to stay healthy A Chronic Care Management Program to cater to the unmet needs of a growing Indian population of those suffering from chronic lifestyle conditions like Diabetes, Asthma, High Cholesterol and Hypertension from Day 1 ABHICL serves as an enabler and influencer of health and healthcare choices that customers make, in addition to being a payer of healthcare expenses. Thus, ABHICL would act like a much needed catalyst to grow the prevalent health insurance landscape in India through product innovations and a wider choice of consumer relevant products. ABHICL’s vision has always been digital. The company has been successful in adopting paper-less approach right from identifying to on-boarding to delivering seamless experience of its customers & employees. Key Challenges for the role – Gaining greater mindshare of partners in a multi-partner architecture. In the new open architecture, a partner gives access to limited channels or geography. This consequently leads to sharing of the same revenue pie and thereby reduced revenue from each partner Managing multiple relationships – and thereby managing differing partner expectations across a wide spectrum of customer segments and reach. Drive POS activation: With multiple products being available to a POS, and because of low ticket size it is important to ensure interest of POS among the wide spectrum of products available and achieve month on month activation. 4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas) Key Result Areas Supporting Actions Driving sales via Various partners for TPD sales Continuous interaction with brokers and other intermediaries Obtaining quote request from market & Delivering them on time to the client/partners Periodic tracking of business volumes and growth. Seek and ensure support from various stake holders to ensure achievement of business targets. Partner engagement and Acquisitions Understand market dynamics and offering of other manufacturers to the channel partners Take regular feedback from channel partners to help innovate products and provide solutions at an organizational level Pursue client specific requirement along with channel partners to support conversion Maintaining Pipeline Managing a pipeline to achieve desired numbers ant to continuously updating the same P & L Managing Overall P&L of the portfolio and deliver planned business output in desired product mix and quality Working with product team to focus on conversions and retention of profitable clients Weekly tracking of business growth. Seeking support from various stake holders towards closure of business Enable sales force to ensure productivity and retention Ensure communication of progression plans and incentives, thereby align expectations of team and incentivize team to perform at optimal levels. Objectives. Renewal persistency Decoding client’s requirement, pain points and opportunity areas Providing need based solutions to clients to increase stickiness. This would involve building & strengthening relationships across various stakeholders within the company, in the concerned partner to ensure that the offering we propose, meets their expectations. Identify and develop a team of sales professionals for the Channel Recruit the best talent from the available clutter Coach and Develop team members Build People capability Minimum Experience Level 4 - 12 years Job Qualifications Graduate,Post Graduate

AB Sun Life Insurance Co Ltd Branch Manager - Direct Sales Force - Talcher (Odisha) Location: Talcher,Orissa, Orissa 1) Job Purpose The purpose of this job is to manage a team of Agency Managers, ensure advisor recruitment as per plan, and assist the Branch Head to make the branch a profit centre and to achieve annual business targets. 2) Dimensions What are the areas (in quantitative terms) the job has an impact on? Dimension Remarks 1. Manpower (Nos.) 8 to 10 AMs 2. Annualised Premium (in Cr) 50 Lac to 1.5 Cr 3. Policies (Nos) 100 to 500 4. Net Annualised Advisor Commission (NAAC) (in Cr) 10 Lac to 30 Lac 5. Persistency 85% 13 month Rolling Premium Persistency 6. Sales Progression Maintain 30% of sales progression in the team 7. Licensing Create distribution as defined in the targets 3) Job Context & Major Challenges (What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone? Key Challenges for the role – Unavailability of Quality Manpower in terms of Agency Managers and advisors, Retention of Quality Manpower Licensing of Advisors – Pass Percentage is very low, getting examination dates for Online Examination is very difficult. Fluctuating market condition Delay in completion of business during month end as it involves the long process to issue the policy (starting from policy receipting, scanning, completing requirement, medical follow ups and finally the completion). Infrastructure constraints Ensuring that business is carried out as per the compliance & regulatory environment 4) Principal Accountabilities Accountability Supporting Actions Ensure performance of assigned Agency Managers with respect to recruitment of Advisors & achievement of business targets. Recruit quality resource Ensure performance standards of recruitment , activisation , policies & premium are met by the assigned agency managers Maintain the profitability: Of the advisor Of the Branch. Keep track on Advisors Contest and Clubs Keep track on various training needs. Sharing good sales practices. Provide support to AM by participating in sales/recruitment. Be responsible for the market conduct of the assigned agency managers and the advisors in their team Maintain the Sales Report on Introduction and Issued Business Develop the Agency Manager’s (goal sheets). Carry out goal setting exercise with his team enabling the FLS team to deliver the expected productivity & subsequently leading the team to progress to next progression level. Manage persistency and business health for the allotted branch so that functional goals are achieved. Manage sales force attrition as per bench mark. Maintain quality of business for better persistency. Relationship Management (Internal & External) to drive performance. Maintain healthy & cordial relation with team of Agency Managers as well as all concerned departments. Maintain one to one contact with all advisors. Ensure reaching of communication to the advisors of his team about new product, schemes, clubs, etc. (using FLS as key point of contact). Visit top advisors in regular intervals. Drive local sales promotion effort for to support team members in achieving business targets Anticipate sales promotion opportunities in the area of operation and devise innovative promotional activity. Driving various contests Ensure Risk Management as per company policy. Carrying out the business activities as per the compliance & regulatory environment. Ensure (by doing basic screening & basic sanity checks) the applications that healthy business is introduced in the system. Be responsible for the market conduct of the assigned agency managers and the advisors in their team Manage administrative responsibilities of the branch in the absence of the Branch Head. Assist the Branch Head in carrying out the branch administrative responsibilities / in the absence of Branch Head Monitor operational costs Facilitate in resolving any people or client related issues. Team Management Ensure through continuous on the job training, skill enhancement of team Mentor, supervise and coach the team. Provide for on the job as well as classroom training for skill enhancement Ensure periodic job rotation to give a higher exposure to the team members on all aspects. 6) Relationships (If Applicable) Internal Frequency Nature Support staff of branch Operations Accounts HO Frequency: Daily Need based Need based Nature: To manage branch related issues, MIS. To manage policy, customer related issues Commission pay out External Frequency Frequency: Regular Regular Nature Peers in competitor companies Recruiting agencies Nature: To gain market understanding To ensure AM recruitment Minimum Experience Level 7 - 10 years Job Qualifications Other Degree

Retail Deputy Sales Manager-Retail-Puducherry Location: PO01, Puducherry Entity Name: Aditya Birla Sunlife Insurance Department: Third Party Disturbution - DCB,IB,IDFC Etc Reports to: Sales Manager Purpose To drive life insurance business through HDFC Bank branches by building strong relationships, ensuring product penetration, and achieving business targets. Key Responsibilities Build & manage relationships with partner banks Achieve sales, revenue & persistency targets Train & support bank staff on life insurance products. Ensure compliance with IRDAI/regulatory norms. Monitor partner performance & resolve issues quickly. Must Haves Good knowledge of equity and financial products 1–5 years’ experience in sales, bancassurance, or financial services Excellent communication & relationship skills Qualification: Graduate in any discipline Minimum Experience Level 0 - 4 years Job Qualifications

Phone Based - COP Private Banking Manager Location: 540, Chandigarh Entity Name: Aditya Birla Sunlife Insurance Reports to: Cluster Manager Purpose To drive life insurance business through HDFC Bank branches by building strong relationships, ensuring product penetration, and achieving business targets. Key Responsibilities Build & manage relationships with partner banks Achieve sales, revenue & persistency targets Train & support bank staff on life insurance products. Ensure compliance with IRDAI/regulatory norms. Monitor partner performance & resolve issues quickly. Must Haves Good knowledge in equity & financial products 1–5 years’ experience in sales, bancassurance, or financial services Excellent communication & relationship skills Qualification: Graduate in any discipline Minimum Experience Level 0 - 4 years Job Qualifications

AB Housing Finance Limited Technical Officer Location: Chennai - Sai Sagar, Tamil Nadu 1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters) Real Estate property is the underlying security for any secured mortgage based funding. Hence it becomes imperative to have underlying security to be legally, technically clear & fundable. Important aspects of real estate properties are valuation, compliances w.r.t. statutory permissions, physical condition. This can be done through approved valuers as well as in-house technical team. This position is required to cater different businesses for “Aditya Birla Finance Ltd.” which majorly includes: Construction Finance business High Value Mortgage business Retail Mortgage business Home Loans Corporate Finance Group Any other division under Aditya Birla Finance Limited which deals with real estate related finance. Areas of excellence Includes: Risk evaluation: Evaluation of different risks related to underlying security i.e. real estate property. Internal Controls / Audits: Carrying out audits to check security, integrity related risks. Data & MIS Management: Portfolio Management. Vendor Management: Managing External Valuation Agencies. Turn Around Time (TAT): Maintaining requisite TAT through vendors. General administration: Real Estate Updates, Maintaining zone Base Master. 2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job. Business Workforce Number (Max 254 Characters) Unit Workforce Number (Max 254 Characters) Function Workforce Number (Max 254 Characters) Department Workforce Number (Max 254 Characters) Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter 3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ((Max 3975 Characters) As the debt arm of Aditya Birla Financial Services Group (ABFSG), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, we have made significant progress and our balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs. A well established brand and top 3 player in the Capital Markets space, today our product suite comprises of a well-diversified look, with equal weightage and focus given to the 3 lines of business Having seen a y.o.y cumulative growth of 50% in both top-line and bottom line, sustainable profitability continues to be the key management agenda. The company has a well-defined vision of being one of the most reputed and material financiers within the lending space – spread across both retail HNI and corporate clientele. We have made significant investments in our process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all our business processes. Spread across 18 cities, we plan on further diversifying our risk and revenue mix through expansion into new geographies and new product segments allowing our customers a one-window shop for all their financing needs. The Risk and Compliance function is engaged in evaluating the creditworthiness of the loan applications for CMG, CFG, SME and Mortgage lending divisions considering the quantitative & qualitative factors like ownership, size & market presence of the client business, capital adequacy, collateral quality, earnings quality, liquidity, management quality & client credibility & adherence to statutory requirements. The Risk & Compliance is engaged in formulating credit risk policies for all ABFL businesses, carries out risk assessment of credit proposals, obtains credit decisions from Credit Committees, monitors credit exposure and carries out recovery of over dues. It formulates risk policies in association with Central Risk, ABFSG for overall risk management in ABFL. Credit / Loan proposals prepared by Business Credit team are critically analyzed from credit risk perspective and the proposals along with Risk Assessment Sheet are put upto to Credit Committee for approval. While carrying out critical evaluation of the credit proposal the function also carries out evaluation of the risk mitigants in the credit proposal like the nature and the quality of the collateral, adequacy of the collateral, acceptability of the collateral given the regulatory and the compliance needs. The Risk & Compliance function carries out monitoring of client wise exposure and portfolio exposure to identify ‘early warning signals’ of stress and to minimize NPAs. Currently monitoring is done in association with Business Teams as RMG does not have presence at Branch level. It carries out over due loan recovery from defaulting clients in coordination with Business Teams. Zonal Technical Manager – Real estate Valuation is an integral part of the Risk & compliance & is responsible for carrying out due diligence for the underlying security i.e. Real Estate Property & ensure that all information required to take a credit decision w.r.t. real estate property be provided to higher management. He is also responsible for maintaining TAT. The key aspect of due diligence is that underlying security i.e. real estate properties are compliant with local statutory norms & regulations & falls under acceptable norms as per ABFL as well as RBI/NHB. He will be catering different businesses coming under the roof of “Aditya Birla Finance Ltd.” List is mentioned above. He is also responsible for providing keeping updates about changes happening in statutory rules & regulations related real estate properties, real estate property rate movements, demand-supply analysis, impacts of economic changes on real estate property etc. In all he has to provide inputs related to real estate property to higher management which will help them in decision making to improvise TATs of the overall sanction process. This profile would require an understanding of following types of properties: Residential Property – under construction & completed. Commercial Property – under construction & completed. Industrial Property including Warehouses Specific usage properties – schools, hospitals, hotels etc. Commercial Real Estate Projects – Residential, Commercial, Retail & Mixed development. The role also requires an understanding of following types of transactions: Home Loans – Builder purchase, Loan Against Property Lease Rental Discounting Construction Finance The major challenges to this profile include Cross functional coordination to enable timely approval of proposals Regular updation on changing economic & Industry scenario. Monitoring TAT of valuations. Customer Satisfaction: Internal as well as external customer satisfaction. Vendor Management: Seamless co-ordination with external entities. The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation & decision making skills, initiative & target orientation & market intelligence developed through a strong industry network. The education & experience required to fulfil this profile are a Civil Engineer with minimum 5 to 8 years of experience. Total experience should be of good mix of construction as well as valuation. Valuation experience with Banks or NBFCs is preferable. 4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated Key Result Areas (Max 1325 Characters) Supporting Actions (Max 1325 Characters) Policy & Process Preparing & review City Specific Process notes which can cater city specific deviations & mitigants for the same. Inputs for updating technical policy, Vendor management Policy, Audit policy. Vendor Management Vendor Empanelment for respective zones Periodical review of the vendors for respective zones. Monitoring TAT Resolving valuation specific queries from respective zones. Audit & Hind sighting Carrying out periodical audits of vendors for respective zones Carrying out monthly audit for sampled valuations, lease rentals for respective zones/locations. Construction Finance Visiting Construction Finance projects. Due diligence of all project approvals. Project analysis including evaluation of projects, project lifecycles, cost break-ups & Techno economic feasibility analysis. Preparation of primary Project Feasibility analysis for Construction finance / Debt Syndication proposals. Valuation of Construction Finance Projects, checking regulatory compliances w.r.t. permissions & Development Control Regulations of authorities. Preparing project life cycles & Milestones. Monitoring periodically the progress of projects & end use of funds for all construction finance cases. Quarterly progress report for construction finance projects. Mortgages / Home Loans / CFG/CMG Checking & validating valuation reports given by valuation agencies. Setting up of city specific process notes to identify city specific deviations & providing solutions for the same. Ensuring compliance with technical norms for the area in line with those set out as per the process. Timely collection and updating the amendments in development control regulations affecting real estate sector. Approved Project Facility Getting project reports from valuation agencies. Periodical maintenance & circulation of MIS for APF projects. Periodical monitoring of all APF projects & updating the management about progress. Portfolio Analysis Revaluation of portfolio as per approved revaluation policy. Monthly sampling & audit for valuation reports. Any other type of analysis. Database / MIS Management MIS for respective Zones MIS for APF (Monthly) MIS for vendor (Half-Yearly) MIS for Advance Disbursement Facility cases (Monthly) MIS for delay in disbursement for under-construction cases (Half-Yearly) MIS for progress for construction finance projects (Quarterly) 5) Job Purpose of Direct Reports: Regional / Area Technical managers, based out of the respective locations. Regional / Area Technical managers, based out of the respective locations. 6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives Relationship Type (Max 80 Characters) Frequency Nature (Max 1325 Characters) Internal Head Technical National Risk Head (Mortgages / HFC / CF) Regional Credit Manager (Mortgages/HFC/CF) Business Head (Mortgages/HFC/CF/CFG/CMG) Daily / Weekly Need Based Need Based Need Based 1.MIS, intimation in cases requiring management intervention Recommendations on loans, ongoing portfolio/client reviews, documentation audits MIS, intimation on major shortfall/skips/defaults in portfolios MIS initimation cases by case, follow up the cases, Documentation. External External Vendors Regulatory authorities Peers / Competition Daily / Weekly Need Based Need Based Documentation, intimation in case of shortfall Real Estate property issues, valuation issues, Due Diligence, audit etc. Document verification, changes in statutory norms 7) Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position. SIGN-OFF: Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record. Job Holder Reports to – Manager Name Signature (needed for the hard copy) Minimum Experience Level 3 - 6 years Job Qualifications Other Degree

About the Health Insurance Industry – While the current market sees more than 15 non-life players in the private space and 5 exclusive private players in the health insurance space trying to capture a sizable market share, the nationalised service provider (6) remains a strong competitor. In addition to this the business dynamics are such that the overall market on an annual basis which is to the tune of roughly 10,000 Crs sees close to 85 % of the business renewing with the existing service provider itself. This narrows down the opportunity of the fresh business actually being seriously fought in the market to approximately 1500 odd Crs. With the SME and the start-ups being the driving force of Indian economy, the opportunity to cater to these segments is immense and is increasing manifold year on year. The challenge here therefore remains as to how we capture a larger share of the opportunity by developing specific solutions to cater each segment of the business. Also by creating an inexpensive and standardized solution to increase the reach into the pockets of channel partners across the country to harness on their captive business and explore new opportunities with them. Market Opportunities – With the advent of medical advancements, lifestyle changes, change in Indian socio-economic scenario and Indian healthcare space, and the insurers are facing challenges to cater to the needs of this diverse clientele. Increasingly Indian customers have started considering health insurance partners as ententions of health advisers. In this scenario it becomes extremely important to understand their psyche and then provide tailored solutions with wellness benefits which would help them meet their end objectives and bring in profitable revenue source for the company. About the Aditya Birla Health Insurance – Aditya Birla Health Insurance Co. Limited (ABHICL) was incorporated in 2015 as a 51:49 joint venture between Aditya Birla Capital Limited (ABCL) and MMI Strategic Investments (Pty) Ltd. ABHICL commenced its operations in October 2016. ABHICL has entered the competitive health insurance market with an aim to expand the category to wider customer segments, beyond the ones that health insurance companies traditionally have marketed to. As the 6th entrant in a category with well-established players, ABHICL is creating differentiation and equity for itself though the unique business proposition of “Health Insurance for All”, a one of a kind proposition in India at the moment. This is a philosophy that is being built through every single consumer touch point and into every single backend process of the company to ensure a customer’s experience of our proposition is continuous and seamless. ABHI’s unique offering to market includes proposition includes - A Comprehensive Incentivized Wellness Program that will attract the young and health conscious and will motivate, guide and reward them to stay healthy A Chronic Care Management Program to cater to the unmet needs of a growing Indian population of those suffering from chronic lifestyle conditions like Diabetes, Asthma, High Cholesterol and Hypertension from Day 1 ABHICL serves as an enabler and influencer of health and healthcare choices that customers make, in addition to being a payer of healthcare expenses. Thus, ABHICL would act like a much needed catalyst to grow the prevalent health insurance landscape in India through product innovations and a wider choice of consumer relevant products. ABHICL’s vision has always been digital. The company has been successful in adopting paper-less approach right from identifying to on-boarding to delivering seamless experience of its customers & employees. Key Challenges for the role – Gaining greater mindshare of partners in a multi-partner architecture. In the new open architecture, a partner gives access to limited channels or geography. This consequently leads to sharing of the same revenue pie and thereby reduced revenue from each partner Managing multiple relationships – and thereby managing differing partner expectations across a wide spectrum of customer segments and reach. Drive POS activation: With multiple products being available to a POS, and because of low ticket size it is important to ensure interest of POS among the wide spectrum of products available and achieve month on month activation. 4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas) Key Result Areas Supporting Actions Driving sales via Various partners for TPD sales Continuous interaction with brokers and other intermediaries Obtaining quote request from market & Delivering them on time to the client/partners Periodic tracking of business volumes and growth. Seek and ensure support from various stake holders to ensure achievement of business targets. Partner engagement and Acquisitions Understand market dynamics and offering of other manufacturers to the channel partners Take regular feedback from channel partners to help innovate products and provide solutions at an organizational level Pursue client specific requirement along with channel partners to support conversion Maintaining Pipeline Managing a pipeline to achieve desired numbers ant to continuously updating the same P & L Managing Overall P&L of the portfolio and deliver planned business output in desired product mix and quality Working with product team to focus on conversions and retention of profitable clients Weekly tracking of business growth. Seeking support from various stake holders towards closure of business Enable sales force to ensure productivity and retention Ensure communication of progression plans and incentives, thereby align expectations of team and incentivize team to perform at optimal levels. Objectives. Renewal persistency Decoding client’s requirement, pain points and opportunity areas Providing need based solutions to clients to increase stickiness. This would involve building & strengthening relationships across various stakeholders within the company, in the concerned partner to ensure that the offering we propose, meets their expectations. Identify and develop a team of sales professionals for the Channel Recruit the best talent from the available clutter Coach and Develop team members Build People capability Minimum Experience Level 5 - 15 years Job Qualifications Graduate,Post Graduate

Role Overview: As a member of the team, your role will involve contributing to the investment research process through conducting detailed analysis of companies and industries. You will be expected to analyze financial statements, industry trends, and macroeconomic factors to assist in making informed investment decisions. Key Responsibilities: - Conduct fundamental analysis of publicly traded companies. - Develop financial models and valuation reports. - Monitor industry trends and competitive landscapes. - Prepare research reports and presentations. - Collaborate with portfolio managers to make investment decisions. Qualifications Required: - Bachelor's degree in finance, economics, or a related field. - Strong analytical and quantitative skills. - Proficiency in financial modeling and data analysis. - Excellent communication and presentation skills. - Ability to work independently and as part of a team. - Knowledge of financial markets. (Note: No additional details about the company were provided in the job description) Role Overview: As a member of the team, your role will involve contributing to the investment research process through conducting detailed analysis of companies and industries. You will be expected to analyze financial statements, industry trends, and macroeconomic factors to assist in making informed investment decisions. Key Responsibilities: - Conduct fundamental analysis of publicly traded companies. - Develop financial models and valuation reports. - Monitor industry trends and competitive landscapes. - Prepare research reports and presentations. - Collaborate with portfolio managers to make investment decisions. Qualifications Required: - Bachelor's degree in finance, economics, or a related field. - Strong analytical and quantitative skills. - Proficiency in financial modeling and data analysis. - Excellent communication and presentation skills. - Ability to work independently and as part of a team. - Knowledge of financial markets. (Note: No additional details about the company were provided in the job description)

**Job Description:** **Role Overview:** As an Area Sales Head at Aditya Birla Capital Ltd in the Financial Services sector, you will be responsible for setting business objectives for the branch and geographic region, owning the P&L for the branch, devising business strategies for area-wise achievement, ensuring end-to-end management of sales operations, and monitoring credit quality of new acquisitions. Additionally, you will be involved in hiring, developing, motivating, and retaining Relationship Managers (RMs) and Senior Relationship Managers (SRMs). **Key Responsibilities:** - Set business objectives for the branch and geographic region - Own the P&L for the branch - Devise business strategy for area-wise achievement of business objectives - Ensure end-to-end management of sales operations transactions - Monitor and control credit quality of new acquisitions - Hire, develop, motivate, and retain RMs/SRMs - Act as a point of escalation for potential NPAs and fraudulent cases **Qualifications Required:** - Proven experience in a similar sales leadership role - Strong understanding of the financial services industry - Excellent communication and interpersonal skills - Ability to strategize and implement business plans effectively (Note: Any additional details of the company were not provided in the job description) Hope this helps! Let me know if you need any more information. **Job Description:** **Role Overview:** As an Area Sales Head at Aditya Birla Capital Ltd in the Financial Services sector, you will be responsible for setting business objectives for the branch and geographic region, owning the P&L for the branch, devising business strategies for area-wise achievement, ensuring end-to-end management of sales operations, and monitoring credit quality of new acquisitions. Additionally, you will be involved in hiring, developing, motivating, and retaining Relationship Managers (RMs) and Senior Relationship Managers (SRMs). **Key Responsibilities:** - Set business objectives for the branch and geographic region - Own the P&L for the branch - Devise business strategy for area-wise achievement of business objectives - Ensure end-to-end management of sales operations transactions - Monitor and control credit quality of new acquisitions - Hire, develop, motivate, and retain RMs/SRMs - Act as a point of escalation for potential NPAs and fraudulent cases **Qualifications Required:** - Proven experience in a similar sales leadership role - Strong understanding of the financial services industry - Excellent communication and interpersonal skills - Ability to strategize and implement business plans effectively (Note: Any additional details of the company were not provided in the job description) Hope this helps! Let me know if you need any more information.

You specialize in loans against property and machinery loans, demonstrating a strong ability to drive sales performance, establish robust client relationships, and lead high-performing teams. Your expertise lies in marketing analysis, business development, and strategic planning to maximize revenue and growth. Your core competencies include: - Sales strategy development - Client relationship management - Loan underwriting and risk assessment - Team leadership and coaching - Market research and analysis - Financial product knowledge If you have any additional details about the company, please provide them for further customization of the job description. You specialize in loans against property and machinery loans, demonstrating a strong ability to drive sales performance, establish robust client relationships, and lead high-performing teams. Your expertise lies in marketing analysis, business development, and strategic planning to maximize revenue and growth. Your core competencies include: - Sales strategy development - Client relationship management - Loan underwriting and risk assessment - Team leadership and coaching - Market research and analysis - Financial product knowledge If you have any additional details about the company, please provide them for further customization of the job description.

Job Purpose Job Purpose: To execute bill booking & accounting of payables and cash management with proper checks and controls. Preparing all account balances supported by schedules and reconciliations on a monthly basis. Execute and ensure audit handling and statutory compliances within the due date satisfactorily. Should possess excel working skills and hands on experience in ERP system. Key Result Areas/Accountabilities Proper bills booking against purchase of goods and services, transport bills, administrative expenses, employee claims including applicable taxes as per the contractual terms, company policies and approval matrix. Understanding in Capital expenditure bill booking, accounting and depreciation calculation. Making Inter Unit Accounting entries with Debit Advice / Credit Advice and reconciling all control balances with respective locations. Basic understanding over TDS rates and applicability of TDS deductions in the bills. Basic understanding over GST compliance while processing bills including proper claiming of Input tax credit. Proper adjustment of Debit Notes / Credit Notes wherever applicable Sending Cash forecast for arrangement of funds and Processing of vendor payments, employee payments, royalty payments against dispatches, statutory payments for GST and TDS and making BRS. Assisting in providing all the information required for Audits, Assessments, PVs and Notices. IT Skills Working experience in ERP environment like Oracle, SAP. Excellent skills required in Excel working.

Branch Banking - North 2 HDFC BB - Executive Branch Relationship Officer - K G Marg Location: HDFCBB-A-3, Delhi HDFC- Branch Banking- Branch Relationship Officer JD Job Description / Responsibilities Job Profile: Employees are ON ROLLS of Aditya Birla Sunlife Insurance. Employee will be mapped to the respective HDFC Branches basis on the geography assigned Prime Responsibility to generate insurance Business through HDFC Branch walk-in customers and leads generated by the Branch staff They will be required to generate business only for the assigned branch in the assigned geography through New or Old customers. Providing support to branch profitability by selling ABSLI Insurance product through different acquisition channels in the catchment area. Will be responsible for achieving monthly sales target assigned: NOP FYP Persistency 0 Customer complaint Responsible for customer complains & need to be resolved in the specific TAT & Ensure quality customer service is delivered Penetration of LI to existing and new customers. Employee has to build the smooth-professional relationship with the respective Branch Manager & with the Branch employees. In the open Architecture Scenario its very essential to built the strong relationship with the Banca partners Key Expectations: To Handle Bank customers requirements with the best services and products ranges To make our self equipped with insurance and Bank Products knowledge To manage the relationship at all the levels to have the desire out-puts. Communicating any product changes, process change or change in any rules and regulations (internal / IRDA) with the help of different training module to Banca Partners Supporting in the actual sales and service aspects including sales calls, issuance and complaint handling Desired profile of the candidate Attitude & Skill Set Self Presentation High on Communication & Articulation. Ability to Convince and Influence Relationship Management at all level employees of the Bank Excellent customer handling Skill. Goal orientation -Resilience Specification Should be willing to travel within city/Outside Location if require Local language Must Should be Locality Two-wheeler is Must to have Should Know the Geography Well Minimum Experience Level 0 - 4 years Job Qualifications

AB Housing Finance Limited Zonal Credit Manager Location: Turquoise Ahmedabad, Gujarat Key Result Areas Supporting Actions Underwriting and Portfolio Quality Management Implement and oversee execution of zonal risk and credit operations in adherence with defined frameworks and principles across ABHFL business lines Liaise with relevant stakeholders (Sales, Operations, Technical) proactively for efficient cross-functional coordination and decision making on specific proposals/ escalation/ exception cases Analyze and review existing risk management mechanisms in view of industry developments and the long-term business strategy to give inputs on possible refinements Communicate with and guide team members on specific cases/ exceptions, providing insights on technical aspects as well as state/ property/ stakeholder specific considerations for effective risk assessment Evaluate and approve proposals as per defined approval matrix, and assist team members on specific approval cases as required Process Efficiency Drive process efficiency through the team reinforcing the role of the Risk team as a business enabler without compromising on risk management and business sustainability Drive alignment with process-driven coordination mechanisms with Sales, Operations and Technical teams by enabling open communication within and across teams in the zone for alignment on business imperatives and corresponding risk management needs Serve as a point of escalation and issue resolution on complex business issues, liaising as required with stakeholders in Sales and Operations teams and escalating to Head – Risk as required Ensure collection of Post disbursal documents within assigned time frame. Risk Compliance & Control Monitor compliance with established risk management principles and norms, as well as applicable regulatory requirements (raise potential concerns to Head – Risk in advance), via periodic and need based reviews of relevant MIS, reports, escalation case documents, etc. Work and ensure zonal operations are aligned with defined ‘Maker – Checker’ mechanism with Sales and Operations teams in a systematic and process-driven manner, covering key aspects such as exception approvals, collateral valuation, PDD completion, cheque bounce collections, etc. Ensure minimal critical observations in Audit and to ensure all observations are resolved within specified TAT’s To identify cases under early warning signals and analyse the same. Collection Efficiency Analyse delinquency trends at a zonal level and support RCMs with insights on possible drivers (such as regional economic factors, industry performance, etc.) and addressing mechanisms Implement and drive alignment with process-driven mechanisms for coordination with the Collections/ Operations team on tracking delinquency cases and driving collections efficiently and effectively Intervene as required on specific escalation cases for recovery and delinquency/ NPA avoidance; escalate to Head – Risk as required Track early defaulters and skip cases and support collections team for ensuring resolutions. Business Growth and Sustainability Participate in zonal business decision making and planning, and institutionalize the same partnership orientation down the line, setting clarity on the context for Risk as a dual function to Sales with a clear responsibility for supporting business growth via complementary perspectives and control-centric inputs Team & Internal Stakeholder Management Guide and develop team members to facilitate better risk assessment, underwriting skills and internal stakeholder management via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.), role clarity, and help them achieve superior performance standards Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives Proactively build and maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives cross-functional coordination and alignment towards achievement of function and business objectives Team & Internal Stakeholder Management Guide and develop team members to facilitate better risk assessment, underwriting skills and internal stakeholder management via technical skill-up (e.g. proficiency on legal & technical documents, property business practices & norms, etc.), role clarity, and help them achieve superior performance standards Nominate teams for relevant technical and behavioral trainings/ seminars and work on self-development initiatives Proactively build and maintain relationships with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of function and business objectives cross-functional coordination and alignment towards achievement of function and business objectives Minimum Experience Level 15 - 20 years Job Qualifications Other Degree

Branch Banking - North 1 Executive Branch Relationship Officer-Dwarka Sec 12 Location: HDFCBB-I-4177, Delhi Entity Name: Aditya Birla Sunlife Insurance Department: HDFC Bank Relationship Reports to: Cluster Manager Purpose To drive life insurance business through HDFC Bank branches by building strong relationships, ensuring product penetration, and achieving business targets. Key Responsibilities Build & manage relationships with partner banks Achieve sales, revenue & persistency targets Train & support bank staff on life insurance products. Ensure compliance with IRDAI/regulatory norms. Monitor partner performance & resolve issues quickly. Must Haves Good knowledge in equity & financial products 1–5 years’ experience in sales, bancassurance, or financial services Excellent communication & relationship skills Qualification: Graduate in any discipline Minimum Experience Level 0 - 4 years Job Qualifications