LM-Retail Secured Business - Kalyandurgam

Job Description: Location Manager – Retail Secured
Position: Location Manager – Retail Secured
Location: Kalyandurgam
Department: Retail Secured Business
Role Purpose
To drive business growth, profitability, portfolio quality, and team performance for the Retail Secured business at the assigned location. The role involves leading sales, credit coordination, collections oversight, customer acquisition, and stakeholder management to achieve business objectives.
Key ResponsibilitiesBusiness Development
Drive sourcing and disbursement of Retail Secured products such as Home Loans, LAP, Mortgage Loans, and SME Loans.
Achieve branch-level business and revenue targets.
Develop channel partner, DSA, and customer relationships to generate quality business.
Increase market penetration and branch productivity.
Team Management
Lead and manage Sales, Credit Coordination, and Operations teams at the location.
Set targets, monitor performance, and conduct regular reviews.
Coach and mentor team members to improve productivity and efficiency.
Ensure adherence to HR and organizational policies.
Portfolio & Risk Management
Monitor portfolio quality and delinquency trends.
Coordinate with Credit and Collections teams for healthy portfolio management.
Ensure compliance with underwriting and operational guidelines.
Minimize delinquency, overdue cases, and NPAs.
Customer & Stakeholder Management
Maintain strong relationships with customers, builders, DSAs, connectors, and channel partners.
Resolve customer escalations and ensure superior customer experience.
Collaborate with Credit, Operations, Legal, Technical, and Collections teams for smooth processing and disbursement.
Operational Excellence
Ensure adherence to regulatory and compliance requirements.
Monitor branch operations, documentation, and audit readiness.
Maintain branch hygiene, infrastructure, and process compliance.
Review MIS reports and implement corrective actions where required.
Key Performance Indicators (KPIs)
Business Achievement vs Target
Disbursement Volume
Login-to-Disbursement Conversion Ratio
Portfolio Quality & Delinquency Control
Branch Profitability
Team Productivity
Customer Satisfaction
Compliance & Audit Scores
Eligibility Criteria
Graduate in any discipline; MBA preferred.
6 to 10 years of experience in Retail Secured Lending, Housing Finance, LAP, Mortgage, or SME Lending.
Minimum 2 to 4 years of team handling experience.
Strong understanding of sales, credit, operations, and collections processes.
Key Skills
Team Leadership & People Management
Retail Secured Lending
Sales & Business Development
Portfolio Management
Credit & Risk Understanding
Collections Oversight
Stakeholder Management
Customer Relationship Management
Decision Making & Problem Solving
MIS & Analytical Skills
Preferred Industry Background
NBFCs
Housing Finance Companies (HFCs)
Banks
Mortgage Lending Organizations
Retail Asset Finance Companies
Preferred Candidate Profile
A result-oriented professional with strong experience in Retail Secured Lending, capable of driving business growth, managing branch operations, maintaining portfolio quality, and leading a high-performing team while ensuring customer satisfaction and compliance.

Work arrangement
No