Location Manager - Erode

Aditya Birla Capital; Tamil Nadu; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

Aditya Birla Capital in India seeks a Location Manager - LAP to drive end-to-end loan against property business at the branch level. You will lead a sales team, source quality LAP cases, ensure credit discipline, and deliver profitable growth while complying with policy and regulatory guidelines.

The role requires 5–12 years in LAP or secured loans, with 2–3 years in team leadership. Graduate degree with MBA preferred; Banks/NBFCs experience is advantageous.

Qualifications

• 5-12 years of LAP / secured loans experience.
• Minimum 2-3 years in a team handling / branch role.
• Experience in Banks / NBFCs preferred.
• Graduate degree; MBA preferred.

Responsibilities

• Own and achieve LAP targets for the assigned location.
• Drive acquisition across self-employed, SME, and professional segments.
• Build location-specific LAP sourcing strategies with multiple channels.
• Lead a team of Relationship Officers, Sales Managers and DSTs.
• Ensure strict adherence to LAP credit policies and processes.
• Develop relationships with DSAs, brokers, and local connectors.
• Monitor portfolio quality, early delinquency, and risk controls.

Skills

Team leadership

Field sales

LAP credit

Property valuation

Cash-flow lending

High-ticket LAP

Stakeholder mgmt

Education

Graduate

MBA/PGDM

Job description

Job Title

Location Manager - Loan Against Property (LAP) (Equivalent to Branch Manager - LAP)

Department

Retail Assets - LAP

Reporting To

Area Business Head / Regional Sales Manager

Location

Branch / Assigned Sales Location

Job Purpose

The Location Manager - LAP is responsible for driving end?to?end Loan Against Property (LAP) business at the branch level by leading a sales team, ensuring quality sourcing, maintaining credit discipline, and delivering profitable portfolio growth while adhering to policy and regulatory guidelines.

Key Responsibilities

LAP Business & Sales Ownership

• Own and achieve LAP business targets (disbursements, sourcing, revenue) for the assigned location.
• Drive acquisition across self?employed, SME, and professional segments.
• Build and execute location-specific LAP sourcing strategies including walk?ins, referrals, DSTs, connectors, and channel partners.
• Monitor sales funnel, conversions, TAT, and drop?offs to ensure consistent performance.
• Ensure sourcing aligns with risk appetite and credit norms.

Team Handling & Performance Management

• Lead, manage, and motivate a team of Relationship Officers, Sales Managers, and DSTs handling LAP.
• Set clear targets, conduct daily huddles and periodic performance reviews.
• Coach team on LAP product features, eligibility, property norms, CIBIL analysis, and income assessment.
• Identify training needs and drive skill enhancement for complex LAP cases.
• Ensure discipline, productivity, and engagement within the sales team.

Credit, Policy & Process Adherence

• Ensure strict adherence to LAP credit policies, documentation standards, and regulatory requirements.
• Coordinate with Credit, Legal, Technical, Operations, and Disbursement teams for smooth case processing.
• Review proposals for income surrogates, LTV norms, property valuation, and deviation controls.
• Maintain audit readiness and zero tolerance for process lapses.

Customer & Channel Management

• Develop strong relationships with DSAs, brokers, builders, CA/financial intermediaries, and local connectors for LAP sourcing.
• Act as escalation point for high-value or sensitive LAP customers.
• Ensure superior customer experience from login to disbursement.
• Drive repeat business and references from existing LAP customers.

Portfolio Quality & Risk Management

• Monitor portfolio quality with focus on early delinquency, vintage analysis, and stress indicators.
• Ensure sourcing quality to control NPAs and credit losses.
• Support collections team for early bucket management, when required.
• Conduct regular portfolio reviews and corrective action planning.

Key Skills & Competencies

• Strong team leadership and field sales management
• Deep understanding of LAP credit, property assessment, and cash?flow lending
• Ability to handle complex, high-ticket LAP cases
• Excellent stakeholder, partner, and customer management skills
• Result?oriented with strong execution and risk awareness

Educational Qualification

• Graduate in any discipline
• MBA / PGDM (Marketing or Finance) preferred

Experience

• 5-12 years of experience in LAP / Secured Business Loans
• Minimum 2-3 years in a team handling / branch-level role
• Experience in Banks / NBFCs preferred