Location Manager - Retail - Secured - Bhiwadi

Birla Carbon; Bhiwandi; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Aditya Birla Capital in India seeks a Location Manager for Secured – LAP Sales in Bhiwadi. The role requires a Bachelor or Master’s degree and proven LAP sales experience, with strong credit appraisal, risk & governance skills.

You will lead a high‑volume sales team, drive channel expansion through DSAs, and ensure timely loan sanctions while maintaining portfolio quality. The position emphasizes customer‑centric approaches and compliance adherence.

Qualifications

• Bachelor or master’s degree; LAP sales experience.
• Strong understanding of credit appraisal, risk norms & compliance.

Responsibilities

• Identify and execute sales growth opportunities at a local level, driving channel expansion and new account acquisition.
• Segment the market and target potential direct clients with customized loan structures.
• Deliver on sales targets by building relationships in the DSA network and influencing outcomes.
• Augment secured lending volumes and manage channel databases to maintain a healthy pipeline.
• Drive faster loan sanctioning by coordinating with internal stakeholders to expand channel presence.
• Track and report sales operations metrics to build a high‑performance sales culture.

Skills

Secured lending knowledge

Credit appraisal

MIS analysis

Team leadership

Sales execution

Governance & compliance

Education

Bachelor's or Master's degree

Job description

Location Manager – Retail – Secured – Bhiwadi

Designation: Location Manager

Eligibility Criteria

Bachelor or master’s degree; Experience in LAP Sales.

Functional / Technical Skills

• Secured lending product knowledge (STSL / LAP / SME Loans)
• Strong understanding of credit appraisal, risk norms & compliance
• MIS analysis, pipeline tracking & reporting
• Result‑oriented with strong execution focus
• Customer‑centric approach with market awareness
• Ability to work under pressure in a high‑volume sales environment
• Team leadership, coaching & performance management
• Integrity, ownership and adherence to governance standards

Key Result Areas

• Identify and execute sales growth opportunities at a local/area level, driving channel expansion and new account acquisition
• Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business
• Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes
• Augment the sales volumes of Secured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline
• Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders to expand channel presence and customer base
• Track & report on sales operations and productivity metrics, and work towards building a high‑performance sales culture
• Actively participate in initiatives and contests driven by Business Development teams

Operational Effectiveness

• Work with dual focus on sales volume and value (IRR) through the team
• Track & ensure SLA adherence, sales efficiencies and RoI
• Adopt prescribed improvements in processes and best practices to enhance operational productivity and suggest improvements as well
• Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM as well as down the line

Distribution & Market Expansion

• Develop and strengthen distribution network through liaising and networking efforts, considering product positioning and competitive pressures
• Scan the market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the secured segment
• Engage with DSA channel network and execute the agreed touch point management system for faster customer connectivity and loan processing‑disbursement; elevate issues appropriately for timely resolution

Customer Servicing & Relationship Management

• Coordinate with risk and operations teams to execute robust, customer friendly loan approval and booking processes
• Recommend improvements to operating procedures and technological tools to enhance customer experience through reduced processing TATs while simultaneously ensuring complaint operations
• Ensure customer queries/complaints are addressed in a timely and effective manner and coordinate personally to expedite the same
• Leverage close direct customer relationships to carry out post sanction surveillance and generate early warning signals on NPAs
• Execute compliant Sales Operations and work in line with risk management principles via coordination with Risk team
• Ensure closure of deal documentation and credit administration requirements, including opening of escrow accounts for receivables lending in line with regulatory and financial controls requirements
• Support risk management by maintaining focus on prescribed guidelines and process checks at all stages of the secured loan transaction and raising potential alarm cases in advance
• Proactively identify and report risks in order to ensure portfolio quality is maintained
• Liaise with the channel partners, customers and the risk team on specific escalation cases

Internal Stakeholder Management

• Partner with peer ASMs/SMs and reporting SMs (if any) to overcome challenges and support sales growth via effective channel management, customer acquisition
• Proactively build and maintain relationships with key internal stakeholders (e.g. Operations, Risk Management) for smooth and efficient transactions and issue resolution

Disclaimer

Aditya Birla Capital is committed to provide equal opportunity to all in employment and prohibits discrimination or harassment in any form on the basis of race, colour, religion, ethnicity, age, gender, disability or any other characteristic protected by law. Diversity, Equity and Inclusion (DEI) is embedded in our recruitment policies based on our business needs and candidates meeting the eligibility criteria such as qualification, skills and experience.

Important

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