Job Description

We Are Hiring BM Secured Loan Against Property (LAP) In (Kharar, Punjab).
Job Title: Branch Manager - Loan Against Property (LAP)
Location: [Punjab]
Department: Secured Lending / Retail Banking
Reporting To: Zonal Head / Regional Manager
Experience: 5-10 years in LAP or Secured Loans (adjust as needed)
Key Responsibilities:
Lead and manage branch operations related to Loan Against Property (LAP).
Achieve monthly and annual disbursement and revenue targets.
Source LAP business through direct channels, DSA, connectors, and builders.
Ensure compliance with credit policy and prudent underwriting standards.
Coordinate with credit, legal, and technical teams for seamless processing.
Monitor portfolio performance and ensure healthy collections and minimal NPAs.
Build and manage relationships with high-value customers and channel partners.
Recruit, train, and manage branch staff and sales executives.
Prepare and present MIS reports to senior management on branch performance.
Ensure excellent customer service and address grievance redressals promptly.
Qualifications:
Graduate/Postgraduate in Finance, Business, or related field.
Minimum 5 years' experience in LAP or Secured Loan business.
Proven leadership and team management skills.
Strong knowledge of LAP products, credit policies, and local markets.
Good communication, negotiation, and interpersonal skills.
Proficient in MS Office and loan management systems.