Area Sales Manager

Aditya Birla Capital

📍Karnataka, India

Posted May 22, 2026

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Job Overview

Position

Area Sales Manager

Company

Aditya Birla Capital

Location

Karnataka, India

Work Type

On-site

Job ID

li-4409087242

Job Description

The purpose of this job is to plan area (city/ branch) sales and business growth with the Regional Sales Manager (RSM) and achieve set targets through the team while complying with sales processes and guidelines at all times. It takes joint approval decisions with Risk counterpart as per approval matrix, and works with Risk, Operations and Sales Governance teams to ensure portfolio health. It works to support business profitability by addressing underperformance, adopting process improvements, capitalizing on channel optimization opportunities, etc. It intervenes as required in specific cases/ exceptions and helps address bottlenecks for the achievement of sales targets, hand-holding team members on complex cases. It also drives cross-selling across ABHFL and ABC products/ solutions as per regional plans and unique client requirements.

The ASM ABHFL is responsible for achieving sales targets as agreed with the RSMABHFL, in terms of targeted book size, profitability, growth & customer service objectives.

To create a sales operating plan with the team, considering local factors impacting business, such as competitor presence, existing relationships, new prospect opportunities, etc., aimed at achieving sales targets

To grow market share as a new brand against established competition, overcoming competitive pressures to create book of desired size for the branch/ city

To constantly upgrade financial & operational know how of self and team members on industry dynamics, effective negotiation and relationship building, and efficient loan processing for maintaining lasting relationships with customers while ensuring portfolio health and profitability

To ensure loan conversion/ sanction/ utilization percentages are high and an appropriate sourcing funnel is built to meet targets

To ensure credit quality and effective portfolio selection/ pre-screening thereby minimizing potential NPAs

To ensure compliant sales operations at all times, despite sales pressures and market cycles

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Interview Prep

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Key Skills

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Preferred:

Practice Questions

💡Technical Questions (3)

1.How do you approach creating a sales operating plan for a new branch or city, especially when entering a market with established competition?
2.Can you explain your process for ensuring high loan conversion and sanction rates while maintaining strict credit quality?
3.How do you drive cross-selling across ABHFL and Aditya Birla Capital products in your area?

🎯Behavioral Questions (3)

1.Tell me about a time you had to address severe underperformance in your sales team while operating under strict compliance guidelines.
2.Describe a situation where you had to intervene in a complex loan case to resolve a bottleneck between Sales and the Risk team.
3.Give an example of how you grew market share for a relatively new brand against established competitors in your area.

🧩Situational Questions (2)

1.It is the final month of the quarter, and your team is significantly behind on profitability targets. A large, lucrative deal comes in, but it sits right on the edge of your risk approval matrix and the Risk counterpart is hesitant. How do you handle this?
2.You notice that despite meeting overall sourcing targets, your branch's loan utilization percentage is dropping because customers are getting better rates from competitors after sanction. What steps do you take?

Resume Keywords

Make sure these keywords appear on your resume

Sales Target AchievementPortfolio HealthCredit QualityCross-SellingSales Operating PlanLoan ConversionRisk CollaborationComplianceMarket Share GrowthTeam Hand-holdingSourcing FunnelABHFL

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