Location Manager-Retail Secured- Roorkee

Birla Carbon; India; On-site; INR 600,000 - 900,000; Full time

Job summary

Birla Carbon is seeking a driven professional in India for sales growth and operational excellence in secured lending products. The candidate should have a degree and experience in LAP Sales, demonstrating strong leadership and customer-centric approaches in a high-pressure environment.

This role involves identifying sales opportunities, managing DSA networks, and ensuring operational effectiveness through strong stakeholder relationships. Successful candidates will demonstrate integrity and a commitment to governance standards.

Qualifications

• Experience in LAP Sales.
• Ability to work under pressure in a high-volume sales environment.

Responsibilities

• Identify and execute sales growth opportunities at a local/area level.
• Segment the market and identify potential direct clients.
• Deliver on sales targets by building strong relationships in the DSA network.
• Augment sales volumes of secured lending and manage channel databases.
• Drive faster TATs through effective loan sanctioning.
• Track & report on sales operations and productivity metrics.
• Participate in initiatives and contests driven by Business Development teams.

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

Education

Bachelor or master’s degree

Job description

Job Description

At the Aditya Birla Group, our Corporate Vision is aligned and intricately woven with our People Vision.

Location: India, Uttarakhand BSM Chowk, Roorkee

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 Responsibilities

• 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.
• 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 Operations and Risk Management for smooth and efficient transactions and issue resolution.