CLUSTER CREDIT MANAGER

Muthoot FinCorp (MFL)

4 - 12 years

12 - 13 Lacs

Mumbai Ghaziabad New Delhi Hyderabad Jaipur

Posted:3 months ago| Platform:

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Skills Required

Training Loans Ticketing Credit operations Underwriting Gold loan Customer experience Management Vendor

Work Mode

Work from Office

Job Type

Full Time

Job Description

Company Name
Muthoot Fincorp Limited
Position / Designation
Cluster Credit Manager Secured & Unsecured Lending Business
Grade
D2
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 PAMAC which is Standardized/ central processing centre for All Branches Across India Primarily leading a set of outsourced credit process staff working out our Vendor PAMAC in Chennai , leading them to process credit proposals send by Branches thru Finn One system Proactively respond to the business requirements & challenges and support Branch Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of approvals , and Disbursement dockets submitted to Central Operations Review Branch level/Area level delinquency against policy parameters , delinquencies and NPAs Analytically capable to set up proper credit parameters in system and lead the credit process into more digitally driven Eco system To liaison with Gold Loan Branches and Area Managers login quality , training and process initiative implementation 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 Continuously work on process improvements with PAMAC and Branches 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 hard work 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 at least 3 years unsecured Lending experience in small mid ticket loans Experience in Origination software like Finn one, risk tools like Perfios, Hunter, Karza is desirable Strong understanding of appraising proposals from Lower & Middle Income MSME Customer Segments 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 small ticket unsecured Business loans preferred
Job Location / State
Chennai /TN
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 B
Educational Qualification / Technical Certification
Any UG/PG or MBA
Skill Sets
Unsecured Lending Credit experience
Communication Skills
Good oral, written and presentation skills
Experience
5+ years of overall experience
Behavioral Competencies
Uncompromising ethical standards and discipline expected
Other Requirements (If any)
-

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