Location Manager - Retail Secured - Tuticorin

Job description

**Experience** **5–12 years** in Financial Services (preferably Secured Lending) **Business Segment** Secured Lending (LAP / Home Loan / Affordable Housing / MSME Secured Loans) **Ticket Size** - 5 Lakhs to ?3 Crores (location-dependent) **Sourcing Model** **DSA + Direct Sourcing** **Role Purpose** The Branch Manager will be responsible for driving overall **business growth, branch P&L, team management, sourcing, credit quality, and operational excellence** for secured lending products through **DSA and direct channels** while ensuring compliance with Aditya Birla Capital’s policies and regulatory guidelines. **Key Responsibilities** **Business & Revenue Management** - Own and deliver branch business targets across secured loan products. - Drive DSA empanelment, activation, productivity, and retention. - Build strong local market connect for direct sourcing (builders, CA network, connectors, lawyers, SMEs). - Manage ticket sizes ranging from ?5L to ?3Cr based on geography and profile. - Monitor daily, monthly, and quarterly business performance and take corrective actions. **Team Management & Leadership** - Lead, mentor, and manage sales and operations teams. - Ensure team productivity, capability building, and performance tracking. - Drive a strong sales culture with ethical practices. - Handle hiring, onboarding, training, and performance reviews. **Credit Quality & Operations** - Ensure adherence to credit underwriting norms and risk policies. - Monitor portfolio quality, delinquency, and early warning indicators. - Coordinate with credit, legal, and operations teams for timely disbursements. - Ensure minimal TAT and optimal customer experience. **Compliance & Control** - Ensure branch compliance with internal policies, regulatory guidelines, and audit requirements. - Maintain proper documentation and process adherence across sourcing channels. **Stakeholder Management** - Act as the single-point owner for the branch. - Collaborate with regional, credit, operations, and product teams. - Represent Aditya Birla Capital in the local market with high brand visibility. **Desired Candidate Profile** **Education** - Graduate in any discipline - Postgraduate / MBA (Finance/Marketing) preferred **Experience & Skills** - 5–12 years of experience in secured lending (NBFC/Banks/HFCs). - Proven experience in branch handling and team management. - Strong exposure to DSA channel management and direct sourcing. - Good understanding of secured loan products, credit evaluation, and documentation. - Strong local market knowledge of Thoothukudi preferred. - Excellent communication, negotiation, and leadership skills. - Results-driven mindset with strong execution capability.