Territory Sales Manager - Unsecured Self Employed Direct - Indore
Aditya Birla Capital · All India
- Experience0–4 yrs
- SalaryNot disclosed
- Work modeonsite
- Posted29 Sept 2026
About Aditya Birla Capital
Aditya Birla Capital is hiring in All India in financial services. This role looks for around 0+ years of experience.
Skills
- Unsecured lending
- Loan appraisal
- Working capital financing
- Portfolio monitoring
- Referral relationship management
- Relationship management
- Lead generation
The role
A territory sales manager at a financial services company identifies leads and structures unsecured lending for self-employed customers, applying loan appraisal and referral relationship management. The role uses working capital financing, portfolio monitoring, and regional market knowledge.
Full job description
The Direct Unsecured-Self Employed product line caters to funding short term and medium term working capital needs of individuals , businesses, professionals, via a suite of customized short and long tenured products, without any security/ collateral.
Offering comprises Unsecured loans self employed individuals/ non-individual entities / professionals, with end use of funds (working capital requirement, business expansion etc.) to be ascertained during the loan appraisal processThe business is highly retail in nature, characterized by high transaction volumes, smaller ticket sizes, and significantly higher spread and profit margins (up to four times that of Secured Lending products)Given the unsecured nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all timesWhile unit of sizing up the business is its loan book size, profitability and minimized delinquency are key business objectives.Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to customersUnderstanding of product market characteristics such as referral relationship management, region specific occupations/trade, local financial preferences and practices are important to gain competitive advantage while structuring loans and identifying leads. .