- Inviting application of freshers/experienced individual for DSA vertical for the largest NBFC for LAP BUSINESS LOAN (SEG)

Role- : SM

Responsibility : A person needs to sell/source SEG LOANS. Should have sales strategies. Must have thorough knowledge of LAP

1) Job Purpose :

- Senior Relationship Manager & Relationship Manager is responsible to Source/Sell SEG loans for ABFL to ensure achievement of one's portfolio & bottom line growth targets while minimizing NPAs and achieving targeted return on equity. He/she has to be on the field & effectively & regularly interact/meet with existing & potential customers to gather market intelligence, convert leads, negotiate terms of loan, collect overdues etc

2) Job Context & Major Challenges :

- The Relationship Managerof SEG Business is responsible to implement the SEG sales strategy in the assigned accounts , that can withstand competitive pressures, especially given ABFL's late entry into the SEG lending space having many competitors and many established players. He/she not only has to source & establish the business but also grow it profitably.

Key challenges for the SEG Business Senior Relationship Manager & Relationship Managers :

a) Scalability : Though it's a late entrant SEG business needs to scale fast within a limited period to catch up with the competitors

b) Market working capital in a retail way : Even though it's a secured line of business since the ticket size is small the volume of customers is high and lot of sectors can be tapped

c) Cost management : The business has to do all the following well to ensure cost is less than competition

1. Distribution challenge-One has to make a trade off between cost & reach

2. Delivery of TAT for loan decision-The decision must be made faster than the time taken for SME loan decisions

3. Disbursal challenge-the disbursal has to be seamless using technology, reduction in documents etc

4. Post disbursal customer service-This must be simplified, standardised, repetitive & reproductive since given the volumes personalised service is not possible

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