Location Manager - Erode
Aditya Birla Group — Mumbai, MUMBAI
Apply Now
Job Description
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
Frequently Asked Questions
What are the eligibility criteria for the Location Manager - Erode job at Aditya Birla Group?
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 5-12 Years years of relevant experience expected for this role.
What are the primary responsibilities of a Location Manager - Erode at Aditya Birla Group?
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Location Manager - Erode at Aditya Birla Group.
Is prior experience required for this position?
This role requires around 5-12 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
What skills are important for this role?
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
How do I apply for the Location Manager - Erode role at Aditya Birla Group?
You can apply directly using the Apply Now button on this page, which will take you to Aditya Birla Group's application process for this role.
Chat us
Call us