Location Manager - Erode

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 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 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