Job Description

This role is for one of the Weekday's clients
Min Experience: 5 years
Location: Surat
JobType: full-time
We are looking for a dynamic Branch Manager LAP & BL who will drive business growth for Loan Against Property (LAP) and Business Loans (BL), focusing on high-ticket LAP transactions. The ideal candidate will have a proven track record in retail lending, excellent leadership skills, and the ability to develop and manage a high-performing sales team.
Requirements
Key Responsibilities:
xe2x9cx85 Business Growth & Sales Strategy:

• Develop and execute strategies to drive Loan Against Property (LAP) and Business Loan (BL) sales within the assigned branch.
• Focus on high-ticket LAP transactions, targeting self-employed and SME segments.
• Identify new business opportunities and build strong relationships with DSAs, connectors, and real estate agents to increase lead generation.
• Ensure achievement of sales targets and profitability metrics.

xe2x9cx85 Team Management & Leadership:

• Lead and mentor a team of Relationship Managers and Sales Officers, ensuring productivity and goal alignment.
• Provide regular training and guidance on LAP and BL product offerings, risk assessment, and compliance.
• Monitor team performance, set clear KPIs, and drive a culture of high performance.

xe2x9cx85 Credit & Risk Management:

• Work closely with credit underwriting teams to ensure high-quality loan origination and risk assessment.
• Assess financial statements, repayment capacity, and property valuation for LAP customers.
• Ensure due diligence and compliance with RBI/NBFC regulatory norms for LAP and BL.

xe2x9cx85 Customer Relationship Management:

• Develop and maintain strong relationships with HNI clients, SMEs, and self-employed professionals for repeat business.
• Ensure high customer satisfaction through quick loan processing, competitive pricing, and excellent post-loan services.
• Resolve customer grievances effectively and provide guidance on financial solutions.

xe2x9cx85 Operational & Compliance Excellence:

• Ensure adherence to KYC, AML, and company policies while processing loans.
• Collaborate with operations teams to streamline documentation and loan disbursement processes.
• Conduct regular audits and maintain reports on sales, credit approvals, and market trends.

Key Requirements:
xe2x9cx85 Experience & Industry Knowledge:

• Minimum 5+ years of experience in LAP and Business Loans in an NBFC, bank, or financial institution.
• Strong understanding of high-ticket LAP lending, credit underwriting, property valuation, and risk assessment.
• Existing network with DSAs, real estate brokers, and SME customers is a plus.

xe2x9cx85 Skills & Competencies:

• Proven ability to drive loan sales and manage high-value portfolios.
• Strong analytical, negotiation, and decision-making skills.
• Ability to lead teams and drive performance in a target-driven environment.
• Excellent communication, interpersonal, and relationship-building abilities.