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Job Specification
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Company Name
: Muthoot Fincorp Limited
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Position / Designation
: Branch Business Manager Secured & Unsecured Lending Business
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Grade
: D1
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Employment Type
: 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
: 5 RMs / BSMs; 1 Collections Officer
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Main Tasks & Areas of Responsibility
: - 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
: - 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)
: Direct team managing experience mandatory
Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.
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Job Location / State
: Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh,
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Compensation Band
: As per policy
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Entitlements
: As per policy
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Stake Holders
: Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams
B
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Educational Qualification / Technical Certification
: Any UG/PG or MBA
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Skill Sets
: Experience in Home Loans / Mortgages, with team handling skill sets.
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Communication Skills
: Good oral, written and presentation skills
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Experience
: 5+ years of overall experience
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Behavioral Competencies
: Uncompromising ethical standards and discipline expected
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Other Requirements (If any)
: -