RL - Consumer: LAS - Channel Manager

About the Role
The LAS Channel Manager will play a critical role in driving portfolio growth and ensuring seamless execution of Loan Against Securities (LAS) business. This position will be responsible for increasing disbursements, supporting branches and customers through the end-to-end lifecycle, handling customer escalations, and identifying onboarding process gaps for continuous improvement. The role demands strong domain knowledge of LAS products, securities markets, demat operations, and internal banking systems, along with the ability to collaborate closely with Product, Credit, Risk, Operations, and Sales teams for day-to-day onboarding. This is team manager role with 3-4 specialists mapped.

Key Responsibilities
1. Business Growth & Disbursement Management
.Drive LAS disbursements by assisting mapped branches from lead to disbursement.
.Coordinate closely with branch teams/sales, credit, risk and operations to ensure smooth customer onboarding and timely activation of LAS drawing power
.Support branches in evaluating customer portfolios for margin adequacy, LTV calculation, scrip eligibility, and concentration risk assessment.
.Liaise with the Credit and risk team for approvals related to deviations, margin relaxations, ROI approvals, and committee-referred cases.
.Ensure strict adherence to LAS product policies, Deviation Matrix, and Delegation of Powers (DOP).

2. Customer Service & Query Resolution
.Address customer queries related to limit utilization, Drawing Power (DP), renewal, pledge status, account statements, interest computation, and penal charges.
.Proactively manage and resolve escalations involving branches, relationship managers, and internal stakeholders.
.Ensure timely issuance of key customer communications including sanction letters, renewal notices, and closure letters.
.Act as a subject matter expert (SME) for branches and internal teams on LAS-related queries and processes.

3. Process Improvement
.Identify gaps, inefficiencies, or pain points in customer onboarding and servicing processes, and proactively escalate improvement suggestions to the Product team.
.Contribute to process enhancements aimed at improving turnaround time (TAT), customer experience, and operational efficiency.
.Identify high-risk accounts and support proactive risk mitigation measures such as margin calls and portfolio realignment.
.Ensure timely updates for customer limits, DP revisions, scheme mergers, renewals, and system tagging.

Qualifications

. Graduate/Post-Graduate in Finance, Commerce, or a related discipline.
.5-10 years of relevant experience in consumer loans sales/ operations, securities-backed lending, or retail asset lending.
.Prior experience in Retail Asset Lending or Capital Market-linked products will be an added advantage
Role Proficiencies:
.Strong understanding of LAS products, securities markets, and collateral-backed lending.
.In-depth knowledge of demat operations, NSDL/CDSL processes, mutual funds, equities, debt instruments, and pledge mechanisms.
.Manage a team of 3-4 sales specialists
.Proficiency in core banking and lending platforms such as Finacle, LASEC, LOS, CRM, and related systems.
.Strong analytical ability to assess portfolios, identify risks, and recommend corrective actions.
.Excellent communication, coordination, and stakeholder management skills.
.Ability to manage escalations and deliver outcomes within defined timelines.
.High attention to detail with a strong orientation towards policy compliance and risk governance.