Location Manager - Secured Lending - Trichy

Overview

The Location Manager will spearhead overall business growth, manage branch profit and loss, lead teams, and oversee sourcing, credit standards, and operational excellence for secured lending products. This role involves managing both DSA and direct channels, ensuring strict compliance with company policies and regulatory frameworks.

Key Responsibilities

• Achieve branch business targets related to secured loan offerings.
• Drive empanelment, activation, productivity, and retention of DSA partners.
• Establish strong connections in the local market to facilitate direct sourcing from builders, chartered accountants, connectors, lawyers, and SMEs.
• Handle loan ticket sizes from 5 lakh to 3 crore rupees, adapting to geographical and client profile variations.
• Track business performance daily, monthly, and quarterly, implementing corrective measures as needed.
• Lead and mentor sales and operations teams to ensure productivity, skill enhancement, and performance evaluation.
• Cultivate a robust sales culture grounded in ethical practices.
• Manage recruitment, onboarding, training, and periodic performance assessments.
• Guarantee compliance with credit underwriting norms and risk policies.
• Monitor portfolio quality indicators such as delinquency rates and early warning signs.
• Coordinate with credit, legal, and operations departments for prompt loan disbursements.
• Maintain minimal turnaround time and optimize customer experience.
• Ensure branch adherence to internal policies, regulatory standards, and audit procedures.
• Oversee documentation and process compliance across all sourcing channels.
• Serve as the primary owner and representative of the branch.
• Collaborate closely with regional, credit, operations, and product teams.
• Enhance brand visibility for Aditya Birla Capital in the local market.

Candidate Profile

• Graduate in any discipline; postgraduate qualification or MBA in Finance/Marketing is preferred.
• Experience ranging from 5 to 12 years in secured lending within NBFCs, banks, or housing finance companies.
• Demonstrated expertise in branch management and leading teams.
• Extensive knowledge of managing DSA channels and direct sourcing approaches.
• Strong grasp of secured loan products including credit evaluation and documentation procedures.
• In-depth understanding of the local market, with preference for candidates familiar with Thoothukudi or Tirunelveli regions.
• Excellent communication, negotiation, and leadership abilities.
• A results-oriented mindset with a strong emphasis on execution.