Location Manager - Retail Secured - Roorkee

Role overview

This position is with Aditya Birla Capital Limited under the NBFC unit in the Retail – Secured business. The role is for a Location Manager focused on secured lending, with responsibility for driving growth, managing channel relationships, supporting credit and operational coordination, and maintaining portfolio quality.

Location

The role is based in Rajasthan, India.

Eligibility criteria

Applicants should hold a bachelor’s or master’s degree and have experience in LAP sales.

Functional and technical capabilities

• Working knowledge of secured lending products such as STSL, LAP, and SME loans.
• Understanding of credit assessment, risk guidelines, and compliance requirements.
• Ability to plan sales activity, forecast demand, and execute against targets.
• Experience in acquiring, engaging, and improving productivity across DSA channels.
• Financial awareness related to ROI, IRR, fee income, and portfolio performance.
• Skill in MIS review, pipeline monitoring, and structured reporting.

Behavioral and managerial capabilities

• Strong execution mindset with a clear focus on results.
• Good relationship-building and negotiation ability.
• Customer-first approach with awareness of market conditions.
• Comfortable performing under pressure in a high-volume sales environment.
• Ability to lead teams, coach colleagues, and manage performance.
• High standards of integrity, accountability, and governance discipline.

Key responsibilities

The role covers sales expansion, distribution development, operational control, customer servicing, risk coordination, and internal stakeholder management.

• Identify local sales opportunities, expand the channel network, and bring in new business accounts.
• Study the market, identify potential direct customers, and structure loan offerings that fit customer needs while supporting business margins.
• Achieve sales targets by building strong relationships within the DSA network and influencing channel outcomes.
• Grow secured lending volumes, manage channel databases, and use the network strategically to maintain a healthy pipeline.
• Improve turnaround times for loan sanctions by collaborating closely with internal stakeholders and widening channel reach.
• Monitor and report sales productivity and operational metrics, while helping build a strong performance-driven culture.
• Participate actively in business development programs, initiatives, and contests.
• Balance volume and value goals by working on both sales throughput and IRR.
• Track SLA compliance, sales efficiency, and return on investment, and apply process improvements where needed.
• Review operational data regularly and share updates in agreed MIS formats covering disbursements, profitability, NPAs, channel growth, product launches, branch expansion, and new channel development.
• Build and strengthen distribution through networking and relationship-led expansion, while accounting for product positioning and competition.
• Continuously assess market trends and competing offerings, and surface opportunities in the secured lending segment.
• Work closely with DSA partners and follow the agreed touchpoint plan to improve customer reach and accelerate loan processing and disbursement.
• Escalate partner or process issues promptly to ensure timely resolution.
• Coordinate with risk and operations teams to support a smooth, customer-friendly loan approval and booking journey.
• Suggest process and technology improvements that reduce processing time while improving customer experience.
• Handle customer questions and complaints quickly and effectively, including direct follow-up where necessary.
• Use customer relationships to support post-sanction monitoring and identify early warning signs of potential NPAs.
• Run sales operations in line with compliance and risk management principles in coordination with the risk function.
• Ensure documentation and credit administration are completed properly, including escrow account opening for receivables lending where required by regulatory and financial controls.
• Maintain focus on required checks and guidelines at every stage of the secured loan process and raise possible issues early.
• Actively flag portfolio risks to help protect asset quality.
• Work with channel partners, customers, and the risk team on escalation cases.
• Collaborate with peer managers and reporting managers, where applicable, to solve challenges and support sales growth.
• Maintain strong working relationships with key internal teams such as operations and risk to ensure efficient execution and issue resolution.

Additional information

The source also mentions business development actions, branch and channel expansion, customer acquisition, profitability focus, portfolio quality, and adherence to governance standards as part of the role expectations.

Notes on source text

The title refers to Roorkee, while the detailed role location is listed as Rajasthan. This has been preserved as provided in the source.