Designation: Manager

Location: India Andhra Pradesh Kalyanadurgam

Organization: Financial Services

:

: Location Manager – Retail Secured

Position: Location Manager – Retail Secured

Location: Kalyandurgam

Department: Retail Secured Business

Role Purpose

To drive business growth, profitability, portfolio quality, and team performance for the Retail Secured business at the assigned location. The role involves leading sales, credit coordination, collections oversight, customer acquisition, and stakeholder management to achieve business objectives.

Key Responsibilities

Business Development

- Drive sourcing and disbursement of Retail Secured products such as Home Loans, LAP, Mortgage Loans, and SME Loans.
- Achieve branch-level business and revenue targets.
- Develop channel partner, DSA, and customer relationships to generate quality business.
- Increase market penetration and branch productivity.

Team Management

- Lead and manage Sales, Credit Coordination, and Operations teams at the location.
- Set targets, monitor performance, and conduct regular reviews.
- Coach and mentor team members to improve productivity and efficiency.
- Ensure adherence to HR and organizational policies.

Portfolio & Risk Management

- Monitor portfolio quality and delinquency trends.
- Coordinate with Credit and Collections teams for healthy portfolio management.
- Ensure compliance with underwriting and operational guidelines.
- Minimize delinquency, overdue cases, and NPAs.

Customer & Stakeholder Management

- Maintain strong relationships with customers, builders, DSAs, connectors, and channel partners.
- Resolve customer escalations and ensure superior customer experience.
- Collaborate with Credit, Operations,



Legal, Technical, and Collections teams for smooth processing and disbursement.

Operational Excellence

- Ensure adherence to regulatory and compliance requirements.
- Monitor branch operations, documentation, and audit readiness.
- Maintain branch hygiene, infrastructure, and process compliance.
- Review MIS reports and implement corrective actions where required.

Key Performance Indicators (KPIs)

- Business Achievement vs Target
- Disbursement Volume
- Login-to-Disbursement Conversion Ratio
- Portfolio Quality & Delinquency Control
- Branch Profitability
- Team Productivity
- Customer Satisfaction
- Compliance & Audit Scores

Eligibility Criteria

- Graduate in any discipline; MBA preferred.
- 6 to 10 years of experience in Retail Secured Lending, Housing Finance, LAP, Mortgage, or SME Lending.
- Minimum 2 to 4 years of team handling experience.
- Strong understanding of sales, credit, operations, and collections processes.

Key Skills

- Team Leadership & People Management
- Retail Secured Lending
- Sales & Business Development
- Portfolio Management
- Credit & Risk Understanding
- Collections Oversight
- Stakeholder Management
- Customer Relationship Management
- Decision Making & Problem Solving
- MIS & Analytical Skills

Preferred Industry Background

- NBFCs
- Housing Finance Companies (HFCs)
- Banks
- Mortgage Lending Organizations
- Retail Asset Finance Companies

Preferred Candidate Profile

A result-oriented skilled with strong experience in Retail Secured Lending, capable of driving business growth, managing branch operations, maintaining portfolio quality, and leading a high-performing team while ensuring customer satisfaction and compliance.

📌 LM-Retail Secured Business - Kalyandurgam (Andhra Pradesh)
🏢 Aditya Birla Group
📍 Andhra Pradesh