Senior Portfolio Manager- Mid Market -Pune

Job description

**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 dynamics—including specific occupations/trades, industries, and local financial and investment preferences—is 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** - 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. - 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. - 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. - Market Intelligence - Gather market intelligence on competitive strategies, policies, and processes regularly. - Share the collected market intelligence with the Area Sales Manager to adjust business tactics accordingly. - Portfolio Quality & Profitability - Track overdue accounts daily for the business and ensure timely collections. - Intervene to ensure collection on initial overdue accounts in a timely manner. - Ensure profitability by applying appropriate pricing strategies and processing fees. - Implement cost management initiatives on a timely and accurate basis. - Organization Process Efficiency - Adhere to all processes for both pre and post-sourcing activities. - Provide input to the Area Sales Manager for the Sales MIS to improve reporting and operational performance.