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

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 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 solid relationships with DSAs, brokers, bu

📌 Location Manager (India)
🏢 Aditya Birla Capital
📍 India