Designation: Manager

Location: India Tamil Nadu Erode - Brough Road

Organization: Financial Services

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 explicit 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

📌 Location Manager - Erode (Tamil Nadu)
🏢 Aditya Birla Group
📍 Tamil Nadu