Location Manager - Retail secured - Tirunelveli

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 / Tirunelveli preferred.
• Excellent communication, negotiation, and leadership skills.
• Results-driven mindset with strong execution capability.