Job Purpose
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 fo

📌 Location Manager (Indian Oil)
🏢 Financial services
📍 Indian Oil