Location Manager - Secured -Myladuthurai
Aditya Birla Capital
Date: 2 weeks ago
City: Remote, Remote
Contract type: Full time
Remote
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 ResponsibilitiesLAP Business & Sales Ownership
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 ResponsibilitiesLAP 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.
- 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.
- 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.
- 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.
- 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.
- 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
- Graduate in any discipline
- MBA / PGDM (Marketing or Finance) preferred
- 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
How to apply
To apply for this job you need to authorize on our website. If you don't have an account yet, please register.
Post a resumeSimilar jobs
Accounting & Reporting Analyst - Accounts Payable
ABB,
Remote, Remote
2 days ago
At ABB, we help industries run leaner and cleaner—and every person here makes that happen. You’ll be empowered to lead, supported to grow, and proud of the impact we create together. Join us and help run what runs the world.This Position reports to:Accounting & Reporting Manager - AccountWe are looking for Perform support activities within Accounts Payable and Credit in...
Chef - Food & Beverage
StayVista,
Remote, Remote
1 week ago
Location: GoaAbout UsStayVista is India’s largest villa hospitality brand and has redefined group getaways. Our handpicked luxury villas are present in every famous holiday destination across the country. We curate unique experiences paired with top-notch hospitality, creating unforgettable stays. Here, you will be a part of our passionate team, dedicated to crafting exceptional getaways and curating one-of-a-kind homes. We are...
Research Associate II
Jubilant Biosys Limited,
Remote, Remote
1 week ago
Jubilant Drug Discovery and Development Services (JDDDS), is part of the Jubilant LifeSciences family of companies with R&D Centers in India, USA and business offices in Asia, Europe and North America. JDDDS has a global reach and provides comprehensive drug discovery and development solutions from target discovery to clinical development in partnership with leading pharma companies worldwide.With clear scientific focus...
