Senior Relationship Officer

Company Name - Aditya Birla Financial Shared Services Ltd (Aditya Birla Housing Finance)   Designation – Relationship Officer / Senior Relationship Officer (Sales of Home Loans & Mortgage Loans) Education – Graduate/Postgraduate with management / Commerce background/Undergraduate (Not more than 25%)   Salary Bracket – 2 Lacs p.a. to 2.5 lacs p.a.   Key Result Areas Supporting Actions Sales Planning & Operations ·      Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends ·      Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly ·       Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc. Customer Acquisition/ Engagement ·       Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders ·      Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts ·       Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required Operational Effectiveness ·      Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections) ·      Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases ·       Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance Self-Development & Internal Stakeholder Management ·      Attend relevant technical and behavioral trainings/ seminars and work on self-development initiatives ·       Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets Portfolio & Risk Management ·      Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms ·      Ensure compliant sales operations and sound risk management in day- to-day operations ·       Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality   Work with Area Sales Manager - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc. Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts Attend to customer complaints effectively, escalating critical cases to Area Sales Manager - ABHFL as required.