Location Manager - Retail secured - Thanjavur

Aditya Birla Capital; Tamil Nadu; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Aditya Birla Capital in Tamil Nadu is seeking a high-performing LAP Sales Leader to own and drive disbursement targets, build location-specific sourcing strategies, and manage a sales team of RO, Sales Managers, and DSTs.

You will coordinate with Credit, Legal, Technical, and Operations teams, ensure adherence to credit policies, and nurture relationships with DSAs, brokers, builders, and financial intermediaries to sustain growth and maintain portfolio quality.

Qualifications

• Graduate degree required or equivalent.
• 5–10 years of LAP / Secured Business Loans experience.
• 2–3 years in a team handling / branch-level role.
• Experience in Banks / NBFCs / HFCs preferred.

Responsibilities

• 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.
• 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.

Skills

Team leadership

LAP credit knowledge

Cash-flow lending

High-ticket LAP experience

Stakeholder management

Education

Graduate in any discipline

Job description

Job PurposeKey ResponsibilitiesLAP 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

Experience

• 5–10 years of experience in LAP / Secured Business Loans
• Minimum 2–3 years in a team handling / branch-level role
• Experience in Banks / NBFCs / HFCs preferred