Location Manager, Management

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  self employed, 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
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