Location Manager - Retail Secured Lending - Tuticorin

Overview

This role calls for a Location Manager to lead secured lending operations at the branch in Tuticorin, Tamil Nadu. The focus is on driving business growth, managing branch profitability, overseeing team performance, ensuring sourcing excellence through DSA and direct channels, and maintaining high credit and compliance standards aligned with company policies.

Key Responsibilities

• Achieve branch business goals across secured loan offerings with ticket sizes typically from 5 lakh to 3 crore, depending on location.
• Facilitate DSA partnerships by empanelment, activation, and motivating DSA productivity and retention.
• Establish strong local networks with builders, chartered accountants, connectors, legal professionals, and SMEs for direct sourcing opportunities.
• Continuously monitor business performance daily, monthly, and quarterly, implementing timely corrective measures.
• Lead and mentor the sales and operations teams, enhancing productivity and nurturing capabilities.
• Foster a robust sales environment emphasizing ethical conduct.
• Oversee recruitment, onboarding, training, and evaluating team member performance.
• Ensure compliance with credit risk policies and underwriting standards to maintain portfolio quality, track delinquency, and implement early warning systems.
• Collaborate with credit, legal, and operations teams to ensure prompt loan disbursals and excellent customer experiences.
• Maintain stringent adherence to internal controls, regulatory compliance, audit requirements, and process documentation.
• Serve as the primary point of contact for the branch, collaborating with regional, credit, operations, and product teams.
• Represent the brand locally to uphold its reputation and visibility.

Candidate Requirements

• Graduation in any field; a postgraduate degree or MBA with focus on Finance or Marketing is preferred.
• Between 5 to 12 years of professional experience in secured lending within NBFCs, banks, or housing finance companies.
• Track record of managing branch operations and leading teams effectively.
• Demonstrated expertise in managing DSA channels and direct sourcing methods.
• Comprehensive knowledge of secured loan products and credit documentation procedures.
• Strong familiarity with the local Tuticorin market is advantageous.
• Excellent communication, negotiation, and leadership skills are essential.
• Highly result-oriented with a proactive execution approach.