Overview
Location Manager – Retail Secured – Tuticorin Jobs in Tamil Nadu, India at Aditya Birla Capital
Title: Location Manager – Retail Secured – Tuticorin
Company: Aditya Birla Capital
Location: Tamil Nadu, India
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 ResponsibilitiesBusiness & 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 ProfileEducation
- 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.
