Location Manager – Loan Against Property (LAP)
(Equivalent to Branch Manager – LAP)
Retail Assets – LAP
Area Business Head / Regional Sales Manager
Branch / Assigned Sales Location
The Location Manager – LAP is responsible for driving end?to?end 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.
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Own and achieve LAP business targets (disbursements, sourcing, revenue) for the assigned location.
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Drive acquisition across self?employed, SME, and professional segments.
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Build and execute location-specific LAP sourcing strategies including walk?ins, referrals, DSTs, connectors, and channel partners.
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Monitor sales funnel, conversions, TAT, and drop?offs to ensure consistent performance.
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Ensure sourcing aligns with risk appetite and credit norms.
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Lead, manage, and motivate a team of Relationship Officers, Sales Managers, and DSTs handling LAP.
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Set clear targets, conduct daily huddles and periodic performance reviews.
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Coach team on LAP product features, eligibility, property norms, CIBIL analysis, and income assessment.
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Identify training needs and drive skill enhancement for complex LAP cases.
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Ensure discipline, productivity, and engagement within the sales team.
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Ensure strict adherence to LAP credit policies, documentation standards, and regulatory requirements.
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Coordinate with Credit, Legal, Technical, Operations, and Disbursement teams for smooth case processing.
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Review proposals for income surrogates, LTV norms, property valuation, and deviation controls.
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Maintain audit readiness and zero tolerance for process lapses.
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Develop strong relationships with DSAs, brokers, builders, CA/financial intermediaries, and local connectors for LAP sourcing.
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Act as escalation point for high-value or sensitive LAP customers.
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Ensure superior customer experience from login to disbursement.
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Drive repeat business and references from existing LAP customers.
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Monitor portfolio quality with focus on early delinquency, vintage analysis, and stress indicators.
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Ensure sourcing quality to control NPAs and credit losses.
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Support collections team for early bucket management, when required.
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Conduct regular portfolio reviews and corrective action planning.
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Strong team leadership and field sales management
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Deep understanding of LAP credit, property assessment, and cash?flow lending
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Ability to handle complex, high-ticket LAP cases
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Excellent stakeholder, partner, and customer management skills
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Result?oriented with strong execution and risk awareness
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Graduate in any discipline
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MBA / PGDM (Marketing or Finance) preferred
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5–12 years of experience in LAP / Secured Business Loans
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Minimum 2–3 years in a team handling / branch-level role
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Experience in Banks / NBFCs preferred
