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 skilled 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 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 relationship

📌 Location Manager (Tamil Nadu)
🏢 Aditya Birla Capital
📍 Tamil Nadu