Location Manager Erode

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 endtoend 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 selfemployed SME and professional segments.
• Build and execute location-specific LAP sourcing strategies including walkins referrals DSTs connectors and channel partners.
• Monitor sales funnel conversions TAT and dropoffs 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 cashflow lending
• Ability to handle complex high-ticket LAP cases
• Excellent stakeholder partner and customer management skills
• Resultoriented with strong execution and risk awareness

Educational Qualification

• Graduate in any discipline
• MBA / PGDM (Marketing or Finance) preferred

Experience

• 512 years of experience in LAP / Secured Business Loans
• Minimum 23 years in a team handling / branch-level role
• Experience in Banks / NBFCspreferred

Required Experience:

Manager