Location Manager - Secured - Nagercoil

PeopleStrong; Nagercoil; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Aditya Birla Capital seeks a Branch Manager to drive business growth and branch P&L for secured lending. You will lead a team, manage sourcing through DSA and direct channels, and ensure compliance with policies and regulatory guidelines in a dynamic market.

The role requires deep experience in secured lending, branch handling, and local market networking. You will coordinate with credit, operations, and product teams to achieve targets and maintain high customer experience.

Qualifications

• 5–12 years of secured lending experience.
• Branch handling and team management experience required.
• Strong exposure to DSA channel management and direct sourcing.
• Knowledge 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).
• Manage ticket sizes ranging from ?5L to ?3Cr based on geography and profile.
• Monitor daily, monthly, and quarterly business performance and take corrective actions.
• 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.

Skills

Secured lending

Branch handling

Team management

DSA channel management

Direct sourcing

Credit evaluation

Documentation

Local market knowledge

Communication

Negotiation

Leadership

Education

Graduate

Job description

DEPARTMENT-1 Retail Assets

DEPARTMENT-2 Retail - Secured

Country India

State Tamil Nadu

Skills

Skill

Document Creation

Under Graduate

CERTIFICATION

Job Description

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.
• 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

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