Unit Manager

Position:  Unit Manager – Micro LAP (Loan Against Property)
Qualification -  Graduate
Experience -   2+ Years

Location:

Mumbai
Reporting To:  Regional Manager

Key Responsibilities
Sales & Business Development
Develop and execute strategies to achieve Micro LAP business targets.
Identify and acquire new customers in the assigned geography through field marketing and relationship-building activities.
Drive monthly and quarterly loan disbursement targets.
Collections & Portfolio Management
Ensure timely collection of EMIs and maintain a healthy loan portfolio.
Improve bucket-wise collection efficiency and minimize delinquency.
Coordinate with the collections team to recover overdue accounts.
Conduct regular portfolio reviews and proactively identify and mitigate risks.
Team Management
Recruit, train, mentor, and manage a team of Relationship Officers and Sales Managers.
Monitor team performance and ensure achievement of business targets.
Motivate the team to maintain high productivity and excellent customer service standards.
Credit & Risk Management
Coordinate with the Credit team for timely loan approvals.
Ensure proper documentation, due diligence, and compliance with credit policies.
Minimize operational and credit risks through effective monitoring.
Market Analysis & Business Strategy
Monitor market trends, competitor activities, and customer requirements.
Share market insights to improve products, pricing, and business strategies.
Operations & Compliance
Ensure compliance with internal policies and regulatory guidelines.
Maintain accurate MIS reports and provide timely updates to management.

Required Skills
Strong knowledge of Loan Against Property (LAP) products and lending processes.
Expertise in sales, collections, portfolio management, and credit assessment.
Excellent communication, interpersonal, negotiation, and leadership skills.
Strong analytical, customer relationship, and team management abilities.