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Muthoot FinCorp (MFL)
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Credit Manager

Credit Manager

Muthoot FinCorp (MFL)

4 - 10 years

5 - 9 Lacs

Nalgonda

Posted:1 day ago| Platform:

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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

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)

Financial Services

New Delhi

5000+ Employees

5249 Jobs

Key People

George Alexander Muthoot

Managing Director
Ashish Kumar Singh

CEO

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