Location Manager - Secured -Myladuthurai

Aditya Birla Capital; Tamil Nadu; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Aditya Birla Capital Location Manager - LAP is sought to drive end-to-end LAP business at the branch level in Tamil Nadu. You will lead a sales team, ensure quality sourcing, maintain credit discipline, and deliver profitable portfolio growth while adhering to policy and regulatory guidelines.

The role requires strong leadership, LAP credit understanding, and ability to manage relationships with DSAs, brokers, and channel partners.

Qualifications

• Must lead a sales team and drive LAP targets.
• Strong understanding of LAP credit norms and income assessment.
• Experience in banks/NBFCs is preferred.

Responsibilities

• Own and achieve LAP targets for the assigned location.
• Drive acquisition across self-employed, SME, and professional segments.
• Build location-specific LAP sourcing strategies (walk-ins, referrals, channel partners).
• Monitor sales funnel and convert rates; manage TAT and drop-offs.
• Ensure adherence to LAP credit policies and regulatory requirements.
• Lead and develop Relationship Officers, Sales Managers, and DSTs.
• Set targets, conduct daily huddles, and review performance.
• Coach on LAP product features, eligibility, and income assessment.
• Maintain portfolio quality and support collections when needed.

Skills

Team leadership

Field sales management

LAP credit understanding

Cash-flow lending

Stakeholder management

Education

Graduate in any discipline

MBA / PGDM (Marketing or Finance) preferred

Job description

Job Title

Location Manager - Loan Against Property (LAP) (Equivalent to Branch Manager - LAP)

Department

Retail Assets - LAP

Reporting To

Area Business Head / Regional Sales Manager

Location

Branch / Assigned Sales Location

Job Purpose

The Location Manager - LAP is responsible for driving end?to?end Loan Against Property (LAP) business at the branch level by leading a sales team, ensuring quality sourcing, maintaining credit discipline, and delivering profitable portfolio growth while adhering to policy and regulatory guidelines.

Key Responsibilities

LAP 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
• MBA / PGDM (Marketing or Finance) preferred

Experience

• 5-12 years of experience in LAP / Secured Business Loans
• Minimum 2-3 years in a team handling / branch-level role
• Experience in Banks / NBFCs preferred