Location Manager - Retail Secured Lending

Overview

The Location Manager for Retail Secured Lending is responsible for steering sales growth, operational efficiency, market expansion, customer service, risk management, and internal stakeholder collaboration within their designated region. The role emphasizes strategic channel development, customer acquisition, and robust portfolio quality management aligned with the organisation's secured lending objectives.

Key Responsibilities

• Drive local sales growth by targeting market segments and new client acquisition through tailored secured loan offerings which balance client needs and profitability.
• Strengthen channel networks such as Direct Sales Agents (DSA), managing databases to maintain an active and healthy sales pipeline.
• Ensure efficient loan sanction processes by fostering strong interdepartmental relationships to reduce turnaround times.
• Monitor operational metrics including sales volume, value (Internal Rate of Return), adherence to service level agreements (SLAs), and return on investment (ROI), while advocating for process enhancements.
• Expand distribution networks by continuously scanning the competitive landscape, reporting trends, and identifying opportunities.
• Uphold customer service excellence by coordinating with risk and operations teams to maintain smooth loan approval workflows and prompt resolution of customer queries and complaints.
• Implement risk management best practices by ensuring compliance with regulatory guidelines, overseeing documentation accuracy, and escalating potential risks proactively.
• Collaborate with peer managers and internal teams such as Operations, Risk, HR, IT, and Business Development to drive cohesive growth and operational efficiency.

Additional Role Information

Direct reports include Sales Managers responsible for implementing area-specific secured business strategies and achieving sales targets. Key internal engagements involve frequent interactions with Regional Sales Managers, Risk and Operations departments, HR, and IT to oversee sales strategies, process adherence, and client escalations. External relations focus on maintaining strong connectivity with existing and prospective customers and channel partners daily.