Location Manager - Secured - Nagercoil

Aditya Birla Capital; Tamil Nadu; On-site; INR 1,800,000 - 3,200,000; Full time

Job summary

Aditya Birla Capital is hiring a Branch Manager in Tamil Nadu to drive secured lending growth through DSA and direct channels. You will lead branch P&L, manage the team, ensure credit quality, and maintain regulatory compliance.

The role demands strong local market knowledge and proven leadership in a fast-paced financial services environment. The position focuses on building market connections with builders, CA networks, and SMEs while delivering on targets and maintaining high service levels

Qualifications

• 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.

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

Skills

Leadership

Team management

Communication

Negotiation

Execution

Market knowledge

Education

Graduate degree

MBA in Finance/Marketing

Job description

Role Purpose

The Branch Manager will be responsible for driving overall

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