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Location Manager ErodeFinancial Services • Erode, Tamil Nadu, India
Location Manager Erode

Location Manager Erode

Financial Services • Erode, Tamil Nadu, India
30+ days ago
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 endtoend 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 selfemployed SME and professional segments.
  • Build and execute location-specific LAP sourcing strategies including walkins referrals DSTs connectors and channel partners.
  • Monitor sales funnel conversions TAT and dropoffs 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 cashflow lending
  • Ability to handle complex high-ticket LAP cases
  • Excellent stakeholder partner and customer management skills
  • Resultoriented with strong execution and risk awareness

Educational Qualification

  • Graduate in any discipline
  • MBA / PGDM (Marketing or Finance) preferred

Experience

  • 512 years of experience in LAP / Secured Business Loans
  • Minimum 23 years in a team handling / branch-level role
  • Experience in Banks / NBFCspreferred

Required Experience:

Manager


Employment Type : Full Time
Experience: years
Vacancy: 1
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Location Manager Erode • Erode, Tamil Nadu, India

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