Branch Business Manager - Secured & Unsecured Lending Business

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  Job Specification

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Company Name

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Muthoot Fincorp Limited

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Position / Designation

:

Branch Business Manager - Secured & Unsecured Lending Business

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Grade

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Employment Type

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All Employment Type

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Reporting to - 

Designation & Grade

:

State Business Manager - Secured & Unsecured Lending Business

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No. of Reportees,

Designation & Grade

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5 RMs / BSMs; 1 Collections Officer

Main Tasks & Areas of Responsibility

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• Lead & Motivate team of RO/RM/BSMs to build to Overachieve Monthly / Quarterly / Half Yearly / Annual Business Budget
• Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna)
• To liaison with Credit, Subject Matter Experts at different levels to clear customers' loan proposals for faster decisioning
• To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.
• To Be the Face of SULB Muthoot Fincorp for that Location for all practical purposes.
• To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer.
• To Watch closely the Competition activities and report the same to the Zonal and National teams.
• To Work closely with Muthoot Fincorp branches for smoother disbursement of Gold backed Secured Loans and their safekeep.
• To Attract & Retain High Performers in the Team.
• To Retain existing live loan customers.
• To effectively liaison with law authorities for resolving conflicts if any.

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Skills and Exposure

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• A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork.
• Proven ability to Recruit and Retain high performing RO/RM/BSMs.

• Atleast 5 years experience in  leading a team of Sales Exectives, Team Leaders, with atleast 2 years of Onroll team members.

• Having good working knowledge on Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure.

•  Excellent interpersonal and verbal communication skills

• Ability to Work & Deliver business targets under pressure 

• Working knowledge of Collections/ Recoveries.

• Be Accountable for Portfolio Quality of the Location.

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Special Requirements (If any)

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 Direct team managing experience mandatory

Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.

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Job Location / State

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Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 

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Compensation Band

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As per policy

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Entitlements

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As per policy

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