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