Location Manager - Secured - Dharapuram

Aditya Birla Capital; Tamil Nadu; On-site; INR 2,000,000 - 4,000,000; Full time

Job summary

Aditya Birla Capital seeks a Branch Manager in Tamil Nadu to drive secured lending growth through DSA and direct channels. You will be responsible for branch P&L, team leadership, onboarding and performance management, while ensuring strict adherence to credit norms and regulatory guidelines.

You will build local market connections, manage ticket sizes across geographies, and coordinate with credit, legal and operations teams to ensure timely disbursements and optimal customer experience.

Qualifications

• 5–12 years of experience in secured lending (NBFC/Banks/HFCs).
• 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.

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 (builders, CA network, connectors, lawyers, SMEs).
• Monitor portfolio quality, delinquency, and early warning indicators; ensure risk controls.
• Coordinate with credit, legal, and operations teams for timely disbursements and service latency reduction.
• Represent the branch and Aditya Birla Capital in the local market with strong brand visibility.

Skills

Secured lending

DSA channel management

Credit evaluation

Team leadership

Education

Graduate degree

MBA (Finance/Marketing)

Tools

NBFC/Banks/HFCs

Job description

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 / Tirunelveli preferred
• Excellent communication, negotiation, and leadership skills.
• Results-driven mindset with strong execution capability.