Location Manager - Retail Secured - Tuticorin

Aditya Birla Capital; Tamil Nadu; On-site; INR 500,000 - 30,000,000; Full time

Job summary

Aditya Birla Capital invites applications for Branch Manager in our Secured Lending division. You will lead business growth, manage P&L, supervise sales and operations, and drive sourcing through DSA and direct channels while ensuring policy compliance.

You will own targets for secured loan products, build local market connections (builders, CA networks, connectors, lawyers, SMEs), mentor teams, monitor performance, and uphold credit quality and regulatory standards in Thoothukudi region.

Qualifications

• 5–12 years of experience in secured lending (NBFC/Banks/HFCs).
• Proven branch handling and team management experience.
• Strong exposure to DSA channel management and direct sourcing.
• Good understanding of secured loan products, credit evaluation, and documentation.
• Strong local market knowledge of Thoothukudi preferred.
• Excellent communication, negotiation, and leadership skills.
• Results-driven with strong execution capability.

Responsibilities

• Own and deliver branch business targets across secured loan products.
• Drive DSA empanelment, activation, productivity, and retention.
• Build strong local market connect for direct sourcing and relationships.
• Manage ticket sizes from 5L to 3Cr based on geography and profile.
• Monitor performance and take corrective actions.

Skills

Secured lending

Branch handling

Team management

DSA channel management

Direct sourcing

Credit evaluation

Communication skills

Leadership

Local market knowledge

Education

Graduate in any discipline

Postgraduate / MBA (Finance/Marketing) preferred

Job description

Experience

5–12 years in Financial Services (preferably Secured Lending)

Business Segment

Secured Lending (LAP / Home Loan / Affordable Housing / MSME Secured Loans)

Ticket Size

• 5 Lakhs to ?3 Crores (location-dependent)

Sourcing Model

DSA + Direct Sourcing

Role Purpose

The Branch Manager will be responsible for driving overall business growth, branch P&L, team management, sourcing, credit quality, and operational excellence for secured lending products through DSA and direct channels while ensuring compliance with Aditya Birla Capital’s policies and regulatory guidelines.

Key Responsibilities

Business & Revenue Management

• Own and deliver branch business targets across secured loan products.
• Drive DSA empanelment, activation, productivity, and retention.
• Build strong local market connect for direct sourcing (builders, CA network, connectors, lawyers, SMEs).
• Manage ticket sizes ranging from ?5L to ?3Cr based on geography and profile.
• Monitor daily, monthly, and quarterly business performance and take corrective actions.

Team Management & Leadership

• Lead, mentor, and manage sales and operations teams.
• Ensure team productivity, capability building, and performance tracking.
• Drive a strong sales culture with ethical practices.
• Handle hiring, onboarding, training, and performance reviews.

Credit Quality & Operations

• Ensure adherence to credit underwriting norms and risk policies.
• Monitor portfolio quality, delinquency, and early warning indicators.
• Coordinate with credit, legal, and operations teams for timely disbursements.
• Ensure minimal TAT and optimal customer experience.

Compliance & Control

• Ensure branch compliance with internal policies, regulatory guidelines, and audit requirements.
• Maintain proper documentation and process adherence across sourcing channels.

Stakeholder Management

• Act as the single-point owner for the branch.
• Collaborate with regional, credit, operations, and product teams.
• Represent Aditya Birla Capital in the local market with high brand visibility.

Desired Candidate Profile

Education

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

Experience & Skills

• 5–12 years of experience in secured lending (NBFC/Banks/HFCs).
• Proven experience in branch handling and team management.
• Strong exposure to DSA channel management and direct sourcing.
• Good understanding of secured loan products, credit evaluation, and documentation.
• Strong local market knowledge of Thoothukudi preferred
• Excellent communication, negotiation, and leadership skills
• Results-driven mindset with strong execution capability