Credit Manager - Retail- Amritsar

Job Purpose

This role is responsible to strategically drive and scale the top line by devising sales and business strategies for tapping into the ABG Ecosystem - ABG Employees, Distributors, Vendors, etc.

Job Context & Major Challenges

Job Context/Job Challenges:Organizational Context

ABC Digital has been incorporated as a wholly owned subsidiary of Aditya Birla Capital in 2023 to engage in distribution of Aditya Birla Capital products and providing services to customers, including web-based services, e-commerce, and payments facilities and allied activities.

ABC Digital is developing an omni-channel based D2C platform (website and app) to acquire new customers and serve them seamlessly. In addition, ABC Digital has started a virtual engagement management through inbound and outbound calling. Also, ABC Digital is engaged in cross-selling different ABC products to walk-in branch customers.

ABC Digital is collaborating with all ABCL subsidiaries to deliver a truly personalized and seamless omni-channel experience for both new and existing customers by building capacity and enhancing productivity through investments in talent, technology, marketing, and data and analytics.

• Key Challenges:
• Making inroads into ABG ecosystem
• Conducting marketing activities in these premises to create awareness and promote sales of financial products distributed by ABCD
• Identifying business opportunities to scale business and drive topline from these premises
• Providing services w.r.t financial products to people in these premises
• Providing after sales services in these premises

Apart from tapping into the business opportunities in these plants, leveraging business opportunities in One ABC branches and also tapping into natural market/open market to increase sales in the assigned territory

• Regular visits to ABG Plants/Factories near base branch location to ensure sourcing from ABG employees & their families, nearby townships
• Ability to identify key influencers and build relationships with plant heads/local population in the worksite area
• Willingness to travel often at a set frequency to the plant/factory location
• Ability to connect with multiple levels/types of people- top senior management to plant workers- with clear understanding of their value & need system
• Good and clear communication regarding financial awareness, product features, key differentiators of ABC product suite
• Ability to navigate ambiguity and unchartered path without constant monitoring/supervision
• Disciplined and dedicated and persistent- especially in new environment conditions
• Willingness to go out of ones way to provides superior customer service to ABG employees and workers, keeping the customer at the centre of every thought, word & action

Key Result Areas