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Muthoot FinCorp (MFL) logo

Branch Credit Manager

4 - 10 years

6 - 12 Lacs

Fatehpur

Posted:1 day ago| Platform: Naukri logo

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Skills Required

Loans Credit operations NBFC Underwriting Legal Customer experience Management Monitoring

Work Mode

Work from Office

Job Type

Full Time

Job Description

Position / Designation

Branch Credit Manager Secured & Unsecured Lending Business

Grade

Employment Type

All Employment Type

Reporting to

Designation & Grade

State Credit Manager Secured & Unsecured Lending Business

No. of Reportees,

Designation & Grade

Credit Operations

Main Tasks & Areas of Responsibility

  • End to End Managing of Credit Shop at the Branches assigned
  • Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio
  • To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations.
  • Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well.
  • Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
  • To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products.
  • To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning.
  • 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 Retain existing live loan customers.
  • To effectively liaison with law authorities for resolving conflicts if any.
  • To Build a Quality and Profitable Loan Portfolio.

Skills and Exposure

  • A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork.
  • Proven ability to Work under Pressure with regard to TAT
  • Adherence to laid down credit policies and suggest improvements if any.
  • Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza.
  • Strong understanding of appraising proposals from 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.

Special Requirements (If any)

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

Job Location / State

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

Compensation Band

As per policy

Entitlements

As per policy

Stake Holders

Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams

Educational Qualification / Technical Certification

Any UG/PG or MBA

Skill Sets

Experience in Home Loans / Mortgages, with team handling skill sets.

Communication Skills

Good oral, written and presentation skills

Experience

5+ years of overall experience

Behavioral Competencies

Uncompromising ethical standards and discipline expected

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Muthoot FinCorp (MFL)
Muthoot FinCorp (MFL)

Financial Services

New Delhi

5000+ Employees

5249 Jobs

    Key People

  • George Alexander Muthoot

    Managing Director

  • Ashish Kumar Singh

    CEO

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