Senior Portfolio Manager - Mid Market - Coimbatore

Job Description Relationship Manager / Senior Relationship Manager Enriching Lives Winning as ONE ABC Company Info Aditya Birla Capital Limited ("ABCL") is the holding company for the financial services businesses of the Aditya Birla Group. Aditya Birla Finance Limited Aditya Birla Finance Limited (ABFL), a subsidiary of Aditya Birla Capital Limited, is among the leading well-diversified non-banking financial services company in India. ABFL offers customized solutions in the areas of personal finance, mortgage finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication. What makes an ideal ABC Citizen At ABC, we are constantly on the lookout for individuals who resonate with our 5 core values of Speed, Passion, Integrity, Seamlessness and commitment and live them every day, while also understanding our vision. We believe in building leaders who thrive on challenges, take the onus of creating and sustaining strong teams, and forms strong networks as a result of effective relationship-building. Role Details Business Aditya Birla Capital Unit Aditya Birla Finance Limited Location Mumbai Role Relationship Manager / Senior Relationship Manager Department Mid-Market & Supply Chain Eligibility Criteria Masters in Finance, 5-7 Years of Relevant Experience Required Skills & Competencies The Mid Market and Supply Chain function is responsible for financing the short-term, medium-term, and long-term working capital and supply chain needs of SMEs through a suite of customized products with varied tenures. The key business metrics for success include loan book size, profitability, and a zero-tolerance approach to delinquency.A strong understanding of business finance, loan structuring techniques, and credit administration is essential to building credibility with customers and gaining a competitive edge. Deep knowledge of local market dynamicsincluding specific occupations/trades, industries, and local financial and investment preferencesis critical for structuring loans effectively and identifying new business opportunities. Expand market share in targeted locations and outpace competition. Continuously upgrade financial acumen, including knowledge of loan structuring methods and business financials, to build trust and credibility with customers. Stay informed about recent market trends and evolving local market preferences to align with customer needs. Ensure strong credit quality by conducting effective portfolio selection and pre-screening to minimize the risk of non-performing assets (NPAs). Safeguard financed amounts by conducting post-sanction surveillance, maintaining strong client relationships, and monitoring collateral to ensure the complete safety of the financing. Key Responsibilities: 1. Sales Growth Achieve sales targets through the following actions: Drive pipeline funnel to achieve book size and market share. Monitor local market trends and competitive offerings, identifying opportunities for business expansion in the region. Ensure minimal client attrition through strong client engagement activities. Regularly engage with investment bankers, chartered accountants, and brokers to source new business. Raise escalation on delinquent cases/potential NPAs and closely monitor these through the team for collection dues. Track key accounts in the portfolio for business health and early warning signs of NPAs. 2. Client Acquisition & Relationship Management Acquisition of new clients by identifying potential leads and conversion strategies. Increase area business volume through strong cross-selling initiatives and innovative product offerings. Cultivate deeper customer relationships by ensuring faster turnaround times (TATs) in collaboration with Credit Analysts. Utilize technology to improve operational efficiencies and responsiveness in customer service, ensuring retention of existing customers. 3. Disbursal • Timely Loan Disbursement with Proper Documentation Coordinating with internal stakeholders to process loan applications. Responding to queries from internal teams to ensure timely and accurate disbursal. Completing transactions with customers with the appropriate documentation. 4. Market Intelligence Gather market intelligence on competitive strategies, policies, and processes reg .