3207 Loans Jobs - Page 45

Position: Credit Analyst As a Credit Analyst, you will play a critical role in evaluating the creditworthiness of borrowers, monitoring portfolio risk, and ensuring robust credit practices. This position offers a blend of hands-on portfolio management, credit assessment, and cross-functional collaboration with key teams such as Operations, Legal, Tech, and Compliance. Roles & Responsibilities: Conduct comprehensive credit analysis, including financial statements, cash flows, business performance, projections, and external data to assess creditworthiness. Prepare Credit Appraisal Memos (CAMs) and supporting documentation for internal and external stakeholders, including lenders. Monitor portfolio health and credit risk at both transaction and portfolio levels. Identify early warning signals (EWS) in borrower accounts and work with business teams to recommend mitigation strategies. Support the Operations team in updating credit policies and frameworks in line with risk appetite, profitability, and growth goals. Perform ad-hoc and deep-dive analysis to identify drivers of credit performance and recommend actions. Engage with internal stakeholders, including Operations, Legal, Audit, Compliance, and Tech, to ensure seamless credit lifecycle management. Stay updated on rural economic trends and assess their potential impact on credit risk and lending strategies. Participate in cross-functional discussions and contribute to high-quality credit decisions with a balanced risk-reward approach. Competencies: Strong analytical, financial, and business evaluation skills. Ability to conduct in-depth analyses of financial statements, GST, and operational data. Working knowledge of financial modelling, credit scoring, and portfolio analytics. Ability to work in a high-volume and fast-paced environment. Effective communicator with the ability to collaborate across functions and present complex ideas clearly. High attention to detail with a structured and data-driven problem-solving approach. Ability to deliver professional analyses on spreadsheets and presentations Qualification: CA or MBA in Finance from a reputed institute. 2-4 years of experience in credit evaluation, underwriting, or credit research, preferably in Banks, NBFCs, fintech, credit rating agencies, or mutual funds. Experience in conducting Credit Assessment of business loans in Banks, NBFCs, or fintech will be a strong advantage. Location: BKC, Mumbai Setup: Full-time work from office

Business Manager - MSME - Mumbai (Boisar) Job ID - KFL10360 Posting Date 30 June 2023 Sales-MSME 5-8 Years Boisar, Maharashtra, IN No. of Post Job Description Key Roles and Responsibilities: Would be responsible to achieve the sales target assigned. Handling the Team of Relationship Officers/managers. New Client Acquisition & Business generation of MSME Business. Responsible for individual & team targets. Shall be responsible for sourcing, servicing, and disbursing the business and manage overdue collections. Taking care of team productivity and business. Team motivation/ training. Giving product training to existing and new hired team. Manage both internal & external channel for business expansion & development Coordination with other departments like Credit, Operations for processing of loan till final disbursement and ensure smooth servicing and operations. Shall be responsible for Overdue Collections & Revenue generation process. What we re looking for: Relevant Experience of Sales and Collection (in Asset Finance products, LAP, Mortgages, Business Loans, etc.) from Banks/ NBFC /Financial Institutions. Must have knowledge and hands-on experience of retail sales.

Business Manager - MSME - Vashi (Mumbai) Job ID - KFL10234 Posting Date 30 June 2023 Sales-MSME 5-8 Years Vashi, Maharashtra, IN No. of Post Job Description Key Roles and Responsibilities: Would be responsible to achieve the sales target assigned. Handling the Team of Relationship Officers/managers. New Client Acquisition & Business generation of MSME Business. Responsible for individual & team targets. Shall be responsible for sourcing, servicing, and disbursing the business and manage overdue collections. Taking care of team productivity and business. Team motivation/ training. Giving product training to existing and new hired team. Manage both internal & external channel for business expansion & development Coordination with other departments like Credit, Operations for processing of loan till final disbursement and ensure smooth servicing and operations. Shall be responsible for Overdue Collections & Revenue generation process. What we re looking for: Relevant Experience of Sales and Collection (in Asset Finance products, LAP, Mortgages, Business Loans, etc.) from Banks/ NBFC /Financial Institutions. Must have knowledge and hands-on experience of retail sales.

Business Manager - MSME - Pune (Manjari) Job ID - KFL10435 Posting Date 30 June 2023 Sales-MSME 5-8 Years Pune, Rajasthan, IN No. of Post Job Description Key Roles and Responsibilities: Would be responsible to achieve the sales target assigned. Handling the Team of Relationship Officers/managers. New Client Acquisition & Business generation of MSME Business. Responsible for individual & team targets. Shall be responsible for sourcing, servicing, and disbursing the business and manage overdue collections. Taking care of team productivity and business. Team motivation/ training. Giving product training to existing and new hired team. Manage both internal & external channel for business expansion & development Coordination with other departments like Credit, Operations for processing of loan till final disbursement and ensure smooth servicing and operations. Shall be responsible for Overdue Collections & Revenue generation process. What we re looking for: Relevant Experience of Sales and Collection (in Asset Finance products, LAP, Mortgages, Business Loans, etc.) from Banks/ NBFC /Financial Institutions. Must have knowledge and hands-on experience of retail sales.

Business Function Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards. Job Purpose Map Process and Customer Journey to identify gaps and fix the same to improve Customer and Employee Journey Key Accountabilities Improve Customer Experience Survey Scores Improve Employee Survey Scores Reduce TATs Reduce Complaints Reduce manhours Job Duties & responsibilities Required to implement Process Improvement initiatives that result in better customer and employee experience. Customer Experience - Survey management - Voice of customer CX Culture building Journey Improvement Employee Experience - Survey management - Voice of Employee Productivity Improvement Complaints Governance Dashboard and Trend Analysis Required Experience 5-10 Years in Banking and have prior experience in process Improvement Education / Preferred Qualifications Post Graduation Core Competencies Process Understanding, Process mapping, Gap Identification, Competition Benchmarking, Stakeholder Management, Presentation Skills. Technical Competencies MS Office Excel and Power Point skills, Data Analysis and dashboard creation capabilities DBS India - Culture & Behaviors DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are: Demonstrate Business Performance through PRIDE 2.0 Value Based Propositions Ensure Customer Focus by Delighting Customers & Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement Maintain the Highest Standards of Honesty and Integrity. Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements . -en

Business Function Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards. Job Purpose The position exists as there is now complete market opportunity that is emerging around Ecosystem/B2S Lending which requires dedicated Product support from Policy/Process/Monitoring and journey standpoint. Key Accountabilities Responsible for overall product management & managing Credit program/policies of Alternate Lending programs (Ecosystem led partnerships) & Big-to-small, related programs (SCF, Anchor led) Design & manage SOPs on E2E lending journey with adequate risk controls Overall portfolio management of the Credit programs including monitoring of triggers & caps Management of adherence of Digital lending guidelines & ensuring applicable program compliance Support in digital implementation of the lending journeys Job Duties & responsibilities Responsible for devising new credit programs / existing program amendments. Creation of E2E SOP for Alternate lending programs for various used cases i.e. Ecosystem / Co-lending/ B2S Work closely with Ecosystem team and other relevant stakeholders to ensure timely go-live of lending programs under the partnerships. Work with various stakeholders to ensure NPA / ESPORA / ORR / SOP approvals as applicable for the various partnerships Overall manage the portfolio management working with RMG-Credit and CPRAM for portfolio triggers and caps, delinquency management and hygiene it Support in setting up of early warning & other necessary risk controls for Alternate Lending & Co-lending policies Provide portfolio insights partner-wise Work closely with partners for embedded streamlined customer journey, product delivery, close monitoring and governance Collaborate with Product Manager (SFW) to build the digital journeys of these credit programs/partnerships on an on-going basis (i.e. write user stories, modify existing journeys, incorporate partner feedback) Support the coverage team for successful commercialization of partnerships for scale up of asset customers Devise customized training programs for the front line for effective sales & marketing Alternate Lending programs. Build feedback loop with partner/coverage team for improvement. Requirements The candidate should have 6-8 years minimum overall relevant experience. Experience in Product Management, lending spl trade finance and digital is preferred. Education / Preferred Qualifications MBA- Finance/Marketing /CA/CFA preferred from Tier-1 institute\ Core Competencies The job holder needs to possess the following skills: Job Knowledge : The job holder should be fast learner in the job Organising Skills: The job holder needs to be organised so as to enable him to meet the conflicting deadlines. Proactive: To understand the system implementations and grasp the changes faster. Communication Skills: The job holder needs to have effective verbal as well as written communication skills. Interpersonal Skills: The job holder needs to liaise with various stake holders (internal and external) Technical Competencies The candidate should be proficient in MS-Word, PPT and Excel Work Relationship To work with: Internal: IBG 4 Head, Product Head, Product Team, RMG, GTS, Strategy & Planning, DAH2, SG-Tech External: Ecosystem partners DBS India - Culture & Behaviors Should be able to demonstrate high degree of PRIDE values spl Purposeful, Innovative and Decisive

Candidate needs to have sales experience Candidate needs to be comfortable with field sales Candidate needs to have good communication skills Interested candidates can call HR Puja -8295041955

The Role: We are seeking an experienced and highly skilled contracts lawyer to join our Legal Team. You will be responsible for handling a wide range of contracts for our organization. You will collaborate with various internal departments and external stakeholders to draft and negotiate agreements and arrangements being entered into by the organization and provide legal advice to protect the companys interests. Roles and Responsibilities: 4 to 5 years of post-qualification experience in a Law Firm / Fintech/ Bank/ MNC. Experience in general corporate, product advisory & end-to-end contract negotiation (including IT contracts). Strong communication and drafting skills in English. Demonstrable understanding and experience in laws related to Employment Laws, Fintech- associated Laws, Digital Lending and Intellectual Property. Ability to independently coordinate with internal and external stakeholders as may be necessary. Skills to keep track of legal expenses and promptly notify seniors. Expertise in maintaining and periodically updating MIS trackers. Strong legal research and analytical skills. Passion to analyse legal aspects of new products related to the fintech space. Ability to provide timely support as a team member on a wide array of regulatory projects. Willingness to identify and take up new tasks and be a team player. Fluency in MS Office and related tools. Mandatory Qualifications: The ideal candidate should be an independent, result-oriented, self-motivated individual who enjoys working in a fast-paced environment. A law degree (LL.B) from a reputed law school is essential. He/she/ they should be punctual, transparent, responsible, and able to take end-to-end accountability for their matters.

About the Role The Collections Manager handles multiple vendors which handle across bucket portfolio for TRACTOR Loans. The Collections manager ensures bucket resolution and manages the portfolio as per the existing process. The Collections Manager also ensures compliance with the audit procedures of the bank. Key Responsibilities Achieve the required resolution target as per the business requirement. Ensure minimum forward flow to the next bucket. Tractor RX & Pre RX-Performance Target for the month. Recovery through Repossession / Sale of Assets through Liquidation/Online portals Timely allocation, billing confirmation, regular customer visits. Inventory management basis quarterly targets/ risk benchmarks @ 30DPD+, 90DPD+ & 180DPD+ Net NPA Performance against the targets for the month. Recovery Target for the month - TRACTOR Gross Slippages & Inventory management basis resolution targets. NPA Recovery / Upgrade for the month Legal Filling, Coverage & Execution. Manage outsourced staff /vendors and ensure achievement of the monthly resolution targets. Ensure adherence to the set process and audit requirements in place. Create a performance-oriented environment leading to high employee motivation and productivity. Ensure that all staff are adequately trained on the products of the bank, processes, and various policies of the bank Qualifications Graduation/ Post-Graduation from a recognized institute Min 5 years of relevant experience in NBFC/ Banking industry Role Proficiencies: Knowledge and understanding of collections and market dynamics. Excellent vendor management skills. Knowledge of regulatory guidelines and norms Good communication (both verbal and written) skill in both English and the local language. Ability to manage complex client situations. Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment. Ability to handle pressure and meet deadlines

Company Name Muthoot Fincorp Limited Job Title Senior Relationship Officer, Secured & Unsecured Business Loans Grade C1 Location PAN India Reports to Business Manager, Secured & Unsecured Business Loans Span Of Control NA Job Purpose The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship. Key Job Responsibilities Deliver on Customer Acquisition through business development To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna) Work in the Area assigned by the Branch Business Manager and generate leads Cold Calling to the potential customer base to generate business Daily Sales Calls as per the Plan submitted to BBM To find, nurture and develop excellent relationship with the Referral Partners / Connectors Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business To give doorstep service to customers at their residence or office. To learn the Organization s policies, and source files as per the policy. To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager To Support the Customers in terms of end -to- end loan processing. To act as the Bridge between Customers and the Branch To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing. To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life. To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working. Retain existing live loan customers. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Strong presentation skills Relationship Building & Stake holder Management Process Knowledge/ Orientation Cross Selling / Upselling Skills Business Development Communication Skills Proficiency in local language and English Culture at Muthoot Pappachan Group We do everything to gain and maintain the Trust of all the stakeholders and don t do anything to lose their Trust . Trust is the overarching Core Value , one which, our other values have been built. Our Core Values Integrity Asking oneself before saying, doing or deciding on anything, whether it s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value Collaboration Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks Excellence Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don t get settled for less at any cost display the go getter attitude. Encourage people to stretch in order to achieve excellence Building on the bedrock of Core Values, below are the other key constituents of the Culture Code Honesty Humility Empathy Empowerment Agility Ownership Fresh Thinking & Continuous Renewal Inclusion Work-Life Balance Role Requirements Educational Qualification Graduate Experience At least 2 years experience in working in Retail Assets especially Home Loans and Loan Against Property business. Exposure to Affordable segment preferred.

Company Name Muthoot Fincorp Limited Job Title Senior Relationship Officer, Secured & Unsecured Business Loans Grade C1 Location PAN India Reports to Business Manager, Secured & Unsecured Business Loans Span Of Control NA Job Purpose The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship. Key Job Responsibilities Deliver on Customer Acquisition through business development To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna) Work in the Area assigned by the Branch Business Manager and generate leads Cold Calling to the potential customer base to generate business Daily Sales Calls as per the Plan submitted to BBM To find, nurture and develop excellent relationship with the Referral Partners / Connectors Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business To give doorstep service to customers at their residence or office. To learn the Organization s policies, and source files as per the policy. To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager To Support the Customers in terms of end -to- end loan processing. To act as the Bridge between Customers and the Branch To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing. To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life. To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working. Retain existing live loan customers. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Strong presentation skills Relationship Building & Stake holder Management Process Knowledge/ Orientation Cross Selling / Upselling Skills Business Development Communication Skills Proficiency in local language and English Culture at Muthoot Pappachan Group We do everything to gain and maintain the Trust of all the stakeholders and don t do anything to lose their Trust . Trust is the overarching Core Value , one which, our other values have been built. Our Core Values Integrity Asking oneself before saying, doing or deciding on anything, whether it s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value Collaboration Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks Excellence Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don t get settled for less at any cost display the go getter attitude. Encourage people to stretch in order to achieve excellence Building on the bedrock of Core Values, below are the other key constituents of the Culture Code Honesty Humility Empathy Empowerment Agility Ownership Fresh Thinking & Continuous Renewal Inclusion Work-Life Balance Role Requirements Educational Qualification Graduate Experience At least 2 years experience in working in Retail Assets especially Home Loans and Loan Against Property business. Exposure to Affordable segment preferred.

Company Name Muthoot Fincorp Limited Job Title Senior Relationship Manager, Secured & Unsecured Business Loans Grade C3/C4 Location PAN India Reports to Business Manager, Secured & Unsecured Business Loans Span Of Control NA Job Purpose The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship. Key Job Responsibilities Deliver on Customer Acquisition through business development To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna) Work in the Area assigned by the Branch Business Manager and generate leads Cold Calling to the potential customer base to generate business Daily Sales Calls as per the Plan submitted to BBM To find, nurture and develop excellent relationship with the Referral Partners / Connectors Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business To give doorstep service to customers at their residence or office. To learn the Organization s policies, and source files as per the policy. To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager To Support the Customers in terms of end -to- end loan processing. To act as the Bridge between Customers and the Branch To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing. To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life. To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working. Retain existing live loan customers. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Strong presentation skills Relationship Building & Stake holder Management Process Knowledge/ Orientation Cross Selling / Upselling Skills Business Development Communication Skills Proficiency in local language and English Culture at Muthoot Pappachan Group We do everything to gain and maintain the Trust of all the stakeholders and don t do anything to lose their Trust . Trust is the overarching Core Value , one which, our other values have been built. Our Core Values Integrity Asking oneself before saying, doing or deciding on anything, whether it s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value Collaboration Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks Excellence Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don t get settled for less at any cost display the go getter attitude. Encourage people to stretch in order to achieve excellence Building on the bedrock of Core Values, below are the other key constituents of the Culture Code Honesty Humility Empathy Empowerment Agility Ownership Fresh Thinking & Continuous Renewal Inclusion Work-Life Balance Role Requirements Educational Qualification Graduate Experience At least 2 years experience in working in Retail Assets especially Home Loans and Loan Against Property business. Exposure to Affordable segment preferred.

Company Name Muthoot Fincorp Limited Job Title Senior Relationship Manager, Secured & Unsecured Business Loans Grade C3/C4 Location PAN India Reports to Business Manager, Secured & Unsecured Business Loans Span Of Control NA Job Purpose The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship. Key Job Responsibilities Deliver on Customer Acquisition through business development To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna) Work in the Area assigned by the Branch Business Manager and generate leads Cold Calling to the potential customer base to generate business Daily Sales Calls as per the Plan submitted to BBM To find, nurture and develop excellent relationship with the Referral Partners / Connectors Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business To give doorstep service to customers at their residence or office. To learn the Organization s policies, and source files as per the policy. To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager To Support the Customers in terms of end -to- end loan processing. To act as the Bridge between Customers and the Branch To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing. To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life. To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working. Retain existing live loan customers. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Strong presentation skills Relationship Building & Stake holder Management Process Knowledge/ Orientation Cross Selling / Upselling Skills Business Development Communication Skills Proficiency in local language and English Culture at Muthoot Pappachan Group We do everything to gain and maintain the Trust of all the stakeholders and don t do anything to lose their Trust . Trust is the overarching Core Value , one which, our other values have been built. Our Core Values Integrity Asking oneself before saying, doing or deciding on anything, whether it s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value Collaboration Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks Excellence Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don t get settled for less at any cost display the go getter attitude. Encourage people to stretch in order to achieve excellence Building on the bedrock of Core Values, below are the other key constituents of the Culture Code Honesty Humility Empathy Empowerment Agility Ownership Fresh Thinking & Continuous Renewal Inclusion Work-Life Balance Role Requirements Educational Qualification Graduate Experience At least 2 years experience in working in Retail Assets especially Home Loans and Loan Against Property business. Exposure to Affordable segment preferred.

Company Name Muthoot Fincorp Limited Job Title Relationship Officer, Secured & Unsecured Business Loans Grade C1/C2/C3 Designation Location PAN India Reports to Business Manager, Secured & Unsecured Business Loans Span Of Control NA Job Purpose The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship. Key Job Responsibilities Deliver on Customer Acquisition through business development To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna) Work in the Area assigned by the Branch Business Manager and generate leads Cold Calling to the potential customer base to generate business Daily Sales Calls as per the Plan submitted to BBM To find, nurture and develop excellent relationship with the Referral Partners / Connectors Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business To give doorstep service to customers at their residence or office. To learn the Organization s policies, and source files as per the policy. To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager To Support the Customers in terms of end -to- end loan processing. To act as the Bridge between Customers and the Branch To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing. To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life. To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working. Retain existing live loan customers. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Strong presentation skills Relationship Building & Stake holder Management Process Knowledge/ Orientation Cross Selling / Upselling Skills Business Development Communication Skills Proficiency in local language and English Culture at Muthoot Pappachan Group We do everything to gain and maintain the Trust of all the stakeholders and don t do anything to lose their Trust . Trust is the overarching Core Value , one which, our other values have been built. Our Core Values Integrity Asking oneself before saying, doing or deciding on anything, whether it s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value Collaboration Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks Excellence Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don t get settled for less at any cost display the go getter attitude. Encourage people to stretch in order to achieve excellence Building on the bedrock of Core Values, below are the other key constituents of the Culture Code Honesty Humility Empathy Empowerment Agility Ownership Fresh Thinking & Continuous Renewal Inclusion Work-Life Balance Role Requirements Educational Qualification Graduate Experience At least 2 years experience in working in Retail Assets especially Home Loans and Loan Against Property business. Exposure to Affordable segment preferred.

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : NATIONAL MANAGER - BUSINESS LEGAL 3 Grade : AVP 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : National Credit Head Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : 7 Main Tasks & Areas of Responsibility : Key Result Areas and Supporting Actions Providing integrated legal support towards following broad aspects of the legal function. Formulation & Implementation of Legal Policies & Procedures for Muthoot Fincorp Secured & Unsecured Lending Business Comprising of MSME Loans backed by Property, Gold Pan India. Extending Guidance to the Zonal / State Legal Team on Title Due diligence on broad policy guidelines as well as on Transactional based deviations. Monitoring & Updation on Law, Policy and regulatory requirements impacting retail mortgage business Vendor Management Team Management Market Intelligence Concurrent Docket Audit Trainings Litigation Management Acquisition & resolution of financial assets & transaction structuring Drafting & Vetting of Transaction documents Set up and administer efficient systems and Processes towards Legal risk management Dispute resolution General Support. To Focus on Skill Enhancement & Team Development Compliance 8 Skills and Exposure : Currently handling a national role in Legal department of a Housing Finance Co. or atleast in the capacity of Zonal Manager for atleast 3 to 4 years preferably in a Housing Finance Co, NBFC. 9 Special Requirements (If any) : Must have experience in Secured lending / unsecured lending business 10 Job Location / State : Chennai 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with business heads 14 Career Progression : B 15 Educational Qualification / Technical Certification : LLB in Any Specialization 16 Skill Sets : Experience in SULB business Techical & Functional expertise Familiar wih a variety of location s (field s) concepts, practices and procedures Strong understanding of the geographical spread Strong analytical skills and rich experience in conceptualizing strategy. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 15 years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected High Energy levels Result Orientation with execution Cross Functional Team Synergy A Team player who can manage efficiently in a Changing environment Ability to multitask and prioritize workload to complete assigned responsibilities in a fast paced changing environment 20 Other Requirements (If any) : -

Main Tasks (1) Physical verification of Gold Packets, Cash including Vault Cash and Foreign Currency as to its correctness with the system records. (2) Checking of ornaments as to its quantity, weight, quality and purity taken for pledge during the current gold inspection period. (3) Checking of greater than 5 months gold packets as to its quantity, weight, quality and purity for which gold inspections were done earlier. (4) Verification of Gold Loan pledge/release documents and reporting of anomalies if any observed. (5) Verifying whether the ornaments pledged under all schemes are solid ornaments and LP/SP ornaments are not accepted for pledge under any schemes. (6) Verification and reporting of any overdue gold loans, Low Purity and Spurious accounts are re-pledged or re-pledged under higher rate. (7) Verification of Documents and ornaments/coins for Swarnavarsham/Shwethavarsham Loans disbursed. (8) Verification of all Gold Loan related products/Packets, MSME Packets, Mahilamitra Loan Packets and Chitty Security Packets etc. (9) Conducting Handing over/Taking over of branch as and when required by the Management and sending reports of the same to BAI Dept. (10) Purity Index updation in the system (11) Verification and sealing of auction related packets. (12) Participating in the Gold Auction conducted in various branches as per the instruction from the Department Head (13) Conducting Special Inspection in Selected branches along with Internal Auditors as per instruction from HO Audit. (14) Verification of Bulk Pledge Packets, Balance Transfer Pledges, Doubtful Pledges as per the instruction from HOD. (15) Conducting Gurukul Training and Appraisal training to be given to Branch staff during Gold Inspection. (16) Other Key activities instructed by the Management on Demand. Areas Of Responsibility (1) Timely Reporting of discrepancies observed from the new & old packets Verification. (2) Reporting of observations/anomalies which are not rectified by the branch from the earlier inspections. (3) Immediate reporting of spurious ornaments found during the current Gold Inspection. (4) Verifying the each and every release of Gold Ornaments made during the period of inspection as the GI act as Joint Custodian during the period of audit. (5) Sending various reports as required by the BAI Dept. (6) Observing and reporting confidentially any malpractices made by the branch staff. (7) Reporting of acceptance for pledge certain type of ornaments like Cumbum chain, Karimani chain etc instructed not to be accepted for pledge by Management. (8) Verification of Gold Ornaments pledged by Pawn Brokers and give instruction to Branches to strictly avoid it & verification of Gold Packets relating to registered letters returned. Special Requirements - Compensation Band Based on Market Standards/Internal norms Entitlements As per policy Stake Holders MFL Staff, Group Company Staff Assets Required As per policy Career Progression As per policy Educational Qualification Minimum Graduation with 2-3 yrs of Gold Appraisal experience Preferred. Willing to Travel. Technical Qualification Basic Computer Knowledge, esp.MS Office applications mandatory Skills - Communication Skill Conversant in local language & English (proficiency in read, write and speak required)

Main Tasks (1) Physical verification of Gold Packets, Cash including Vault Cash and Foreign Currency as to its correctness with the system records. (2) Checking of ornaments as to its quantity, weight, quality and purity taken for pledge during the current gold inspection period. (3) Checking of greater than 5 months gold packets as to its quantity, weight, quality and purity for which gold inspections were done earlier. (4) Verification of Gold Loan pledge/release documents and reporting of anomalies if any observed. (5) Verifying whether the ornaments pledged under all schemes are solid ornaments and LP/SP ornaments are not accepted for pledge under any schemes. (6) Verification and reporting of any overdue gold loans, Low Purity and Spurious accounts are re-pledged or re-pledged under higher rate. (7) Verification of Documents and ornaments/coins for Swarnavarsham/Shwethavarsham Loans disbursed. (8) Verification of all Gold Loan related products/Packets, MSME Packets, Mahilamitra Loan Packets and Chitty Security Packets etc. (9) Conducting Handing over/Taking over of branch as and when required by the Management and sending reports of the same to BAI Dept. (10) Purity Index updation in the system (11) Verification and sealing of auction related packets. (12) Participating in the Gold Auction conducted in various branches as per the instruction from the Department Head (13) Conducting Special Inspection in Selected branches along with Internal Auditors as per instruction from HO Audit. (14) Verification of Bulk Pledge Packets, Balance Transfer Pledges, Doubtful Pledges as per the instruction from HOD. (15) Conducting Gurukul Training and Appraisal training to be given to Branch staff during Gold Inspection. (16) Other Key activities instructed by the Management on Demand. Areas Of Responsibility (1) Timely Reporting of discrepancies observed from the new & old packets Verification. (2) Reporting of observations/anomalies which are not rectified by the branch from the earlier inspections. (3) Immediate reporting of spurious ornaments found during the current Gold Inspection. (4) Verifying the each and every release of Gold Ornaments made during the period of inspection as the GI act as Joint Custodian during the period of audit. (5) Sending various reports as required by the BAI Dept. (6) Observing and reporting confidentially any malpractices made by the branch staff. (7) Reporting of acceptance for pledge certain type of ornaments like Cumbum chain, Karimani chain etc instructed not to be accepted for pledge by Management. (8) Verification of Gold Ornaments pledged by Pawn Brokers and give instruction to Branches to strictly avoid it & verification of Gold Packets relating to registered letters returned. Special Requirements - Compensation Band Based on Market Standards/Internal norms Entitlements As per policy Stake Holders MFL Staff, Group Company Staff Assets Required As per policy Career Progression As per policy Educational Qualification Minimum Graduation with 2-3 yrs of Gold Appraisal experience Preferred. Willing to Travel. Technical Qualification Basic Computer Knowledge, esp.MS Office applications mandatory Skills - Communication Skill Conversant in local language & English (proficiency in read, write and speak required)

Main Tasks (1) Physical verification of Gold Packets, Cash including Vault Cash and Foreign Currency as to its correctness with the system records. (2) Checking of ornaments as to its quantity, weight, quality and purity taken for pledge during the current gold inspection period. (3) Checking of greater than 5 months gold packets as to its quantity, weight, quality and purity for which gold inspections were done earlier. (4) Verification of Gold Loan pledge/release documents and reporting of anomalies if any observed. (5) Verifying whether the ornaments pledged under all schemes are solid ornaments and LP/SP ornaments are not accepted for pledge under any schemes. (6) Verification and reporting of any overdue gold loans, Low Purity and Spurious accounts are re-pledged or re-pledged under higher rate. (7) Verification of Documents and ornaments/coins for Swarnavarsham/Shwethavarsham Loans disbursed. (8) Verification of all Gold Loan related products/Packets, MSME Packets, Mahilamitra Loan Packets and Chitty Security Packets etc. (9) Conducting Handing over/Taking over of branch as and when required by the Management and sending reports of the same to BAI Dept. (10) Purity Index updation in the system (11) Verification and sealing of auction related packets. (12) Participating in the Gold Auction conducted in various branches as per the instruction from the Department Head (13) Conducting Special Inspection in Selected branches along with Internal Auditors as per instruction from HO Audit. (14) Verification of Bulk Pledge Packets, Balance Transfer Pledges, Doubtful Pledges as per the instruction from HOD. (15) Conducting Gurukul Training and Appraisal training to be given to Branch staff during Gold Inspection. (16) Other Key activities instructed by the Management on Demand. Areas Of Responsibility (1) Timely Reporting of discrepancies observed from the new & old packets Verification. (2) Reporting of observations/anomalies which are not rectified by the branch from the earlier inspections. (3) Immediate reporting of spurious ornaments found during the current Gold Inspection. (4) Verifying the each and every release of Gold Ornaments made during the period of inspection as the GI act as Joint Custodian during the period of audit. (5) Sending various reports as required by the BAI Dept. (6) Observing and reporting confidentially any malpractices made by the branch staff. (7) Reporting of acceptance for pledge certain type of ornaments like Cumbum chain, Karimani chain etc instructed not to be accepted for pledge by Management. (8) Verification of Gold Ornaments pledged by Pawn Brokers and give instruction to Branches to strictly avoid it & verification of Gold Packets relating to registered letters returned. Special Requirements - Compensation Band Based on Market Standards/Internal norms Entitlements As per policy Stake Holders MFL Staff, Group Company Staff Assets Required As per policy Career Progression As per policy Educational Qualification Minimum Graduation with 2-3 yrs of Gold Appraisal experience Preferred. Willing to Travel. Technical Qualification Basic Computer Knowledge, esp.MS Office applications mandatory Skills - Communication Skill Conversant in local language & English (proficiency in read, write and speak required)

Main Tasks (1) Physical verification of Gold Packets, Cash including Vault Cash and Foreign Currency as to its correctness with the system records. (2) Checking of ornaments as to its quantity, weight, quality and purity taken for pledge during the current gold inspection period. (3) Checking of greater than 5 months gold packets as to its quantity, weight, quality and purity for which gold inspections were done earlier. (4) Verification of Gold Loan pledge/release documents and reporting of anomalies if any observed. (5) Verifying whether the ornaments pledged under all schemes are solid ornaments and LP/SP ornaments are not accepted for pledge under any schemes. (6) Verification and reporting of any overdue gold loans, Low Purity and Spurious accounts are re-pledged or re-pledged under higher rate. (7) Verification of Documents and ornaments/coins for Swarnavarsham/Shwethavarsham Loans disbursed. (8) Verification of all Gold Loan related products/Packets, MSME Packets, Mahilamitra Loan Packets and Chitty Security Packets etc. (9) Conducting Handing over/Taking over of branch as and when required by the Management and sending reports of the same to BAI Dept. (10) Purity Index updation in the system (11) Verification and sealing of auction related packets. (12) Participating in the Gold Auction conducted in various branches as per the instruction from the Department Head (13) Conducting Special Inspection in Selected branches along with Internal Auditors as per instruction from HO Audit. (14) Verification of Bulk Pledge Packets, Balance Transfer Pledges, Doubtful Pledges as per the instruction from HOD. (15) Conducting Gurukul Training and Appraisal training to be given to Branch staff during Gold Inspection. (16) Other Key activities instructed by the Management on Demand. Areas Of Responsibility (1) Timely Reporting of discrepancies observed from the new & old packets Verification. (2) Reporting of observations/anomalies which are not rectified by the branch from the earlier inspections. (3) Immediate reporting of spurious ornaments found during the current Gold Inspection. (4) Verifying the each and every release of Gold Ornaments made during the period of inspection as the GI act as Joint Custodian during the period of audit. (5) Sending various reports as required by the BAI Dept. (6) Observing and reporting confidentially any malpractices made by the branch staff. (7) Reporting of acceptance for pledge certain type of ornaments like Cumbum chain, Karimani chain etc instructed not to be accepted for pledge by Management. (8) Verification of Gold Ornaments pledged by Pawn Brokers and give instruction to Branches to strictly avoid it & verification of Gold Packets relating to registered letters returned. Special Requirements - Compensation Band Based on Market Standards/Internal norms Entitlements As per policy Stake Holders MFL Staff, Group Company Staff Assets Required As per policy Career Progression As per policy Educational Qualification Minimum Graduation with 2-3 yrs of Gold Appraisal experience Preferred. Willing to Travel. Technical Qualification Basic Computer Knowledge, esp.MS Office applications mandatory Skills - Communication Skill Conversant in local language & English (proficiency in read, write and speak required)

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : CHIEF MANAGER - LEGAL 3 Grade : AVP 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : National Legal Head Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : 7 Main Tasks & Areas of Responsibility : Key Result Areas and Supporting Actions Providing integrated legal support towards following broad aspects of the legal function. Formulation & Implementation of Legal Policies & Procedures for Muthoot Fincorp Secured & Unsecured Lending Business Comprising of MSME Loans backed by Property, Gold Pan India. Extending Guidance to the Zonal / State Legal Team on Title Due diligence on broad policy guidelines as well as on Transactional based deviations. Monitoring & Updation on Law, Policy and regulatory requirements impacting retail mortgage business Vendor Management Team Management Market Intelligence Concurrent Docket Audit Trainings Litigation Management Acquisition & resolution of financial assets & transaction structuring Drafting & Vetting of Transaction documents Set up and administer efficient systems and Processes towards Legal risk management Dispute resolution General Support. To Focus on Skill Enhancement & Team Development Compliance 8 Skills and Exposure : Currently handling a national role in Legal department of a Housing Finance Co. or atleast in the capacity of Zonal Manager for atleast 3 to 4 years preferably in a Housing Finance Co, NBFC. 9 Special Requirements (If any) : Must have experience in Secured lending / unsecured lending business 10 Job Location / State : Chennai 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with business heads 14 Career Progression : B 15 Educational Qualification / Technical Certification : LLB in Any Specialization 16 Skill Sets : Experience in SULB business Techical & Functional expertise Familiar wih a variety of location s (field s) concepts, practices and procedures Strong understanding of the geographical spread Strong analytical skills and rich experience in conceptualizing strategy. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 15 years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected High Energy levels Result Orientation with execution Cross Functional Team Synergy A Team player who can manage efficiently in a Changing environment Ability to multitask and prioritize workload to complete assigned responsibilities in a fast paced changing environment 20 Other Requirements (If any) : -

Company Name Muthoot Fincorp Limited Job Title Branch Sales Manager, Secured & Unsecured Business Loans Grade C4 Location PAN India Reports to Business Manager, Secured & Unsecured Business Loans Span Of Control NA Job Purpose The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship. Key Job Responsibilities Deliver on Customer Acquisition through business development To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna) Work in the Area assigned by the Branch Business Manager and generate leads Cold Calling to the potential customer base to generate business Daily Sales Calls as per the Plan submitted to BBM To find, nurture and develop excellent relationship with the Referral Partners / Connectors Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business To give doorstep service to customers at their residence or office. To learn the Organization s policies, and source files as per the policy. To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager To Support the Customers in terms of end -to- end loan processing. To act as the Bridge between Customers and the Branch To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing. To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life. To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working. Retain existing live loan customers. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Strong presentation skills Relationship Building & Stake holder Management Process Knowledge/ Orientation Cross Selling / Upselling Skills Business Development Communication Skills Proficiency in local language and English Culture at Muthoot Pappachan Group We do everything to gain and maintain the Trust of all the stakeholders and don t do anything to lose their Trust . Trust is the overarching Core Value , one which, our other values have been built. Our Core Values Integrity Asking oneself before saying, doing or deciding on anything, whether it s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value Collaboration Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks Excellence Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don t get settled for less at any cost display the go getter attitude. Encourage people to stretch in order to achieve excellence Building on the bedrock of Core Values, below are the other key constituents of the Culture Code Honesty Humility Empathy Empowerment Agility Ownership Fresh Thinking & Continuous Renewal Inclusion Work-Life Balance Role Requirements Educational Qualification Graduate Experience At least 2 years experience in working in Retail Assets especially Home Loans and Loan Against Property business. Exposure to Affordable segment preferred.

Company Name Muthoot Fincorp Limited Job Title Branch Sales Manager, Secured & Unsecured Business Loans Grade C4 Location PAN India Reports to Business Manager, Secured & Unsecured Business Loans Span Of Control NA Job Purpose The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship. Key Job Responsibilities Deliver on Customer Acquisition through business development To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna) Work in the Area assigned by the Branch Business Manager and generate leads Cold Calling to the potential customer base to generate business Daily Sales Calls as per the Plan submitted to BBM To find, nurture and develop excellent relationship with the Referral Partners / Connectors Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business To give doorstep service to customers at their residence or office. To learn the Organization s policies, and source files as per the policy. To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager To Support the Customers in terms of end -to- end loan processing. To act as the Bridge between Customers and the Branch To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing. To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life. To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working. Retain existing live loan customers. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Strong presentation skills Relationship Building & Stake holder Management Process Knowledge/ Orientation Cross Selling / Upselling Skills Business Development Communication Skills Proficiency in local language and English Culture at Muthoot Pappachan Group We do everything to gain and maintain the Trust of all the stakeholders and don t do anything to lose their Trust . Trust is the overarching Core Value , one which, our other values have been built. Our Core Values Integrity Asking oneself before saying, doing or deciding on anything, whether it s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value Collaboration Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks Excellence Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don t get settled for less at any cost display the go getter attitude. Encourage people to stretch in order to achieve excellence Building on the bedrock of Core Values, below are the other key constituents of the Culture Code Honesty Humility Empathy Empowerment Agility Ownership Fresh Thinking & Continuous Renewal Inclusion Work-Life Balance Role Requirements Educational Qualification Graduate Experience At least 2 years experience in working in Retail Assets especially Home Loans and Loan Against Property business. Exposure to Affordable segment preferred.

Company Name Muthoot Fincorp Limited Job Title Branch Sales Manager, Secured & Unsecured Business Loans Grade C4 Location PAN India Reports to Business Manager, Secured & Unsecured Business Loans Span Of Control NA Job Purpose The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship. Key Job Responsibilities Deliver on Customer Acquisition through business development To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna) Work in the Area assigned by the Branch Business Manager and generate leads Cold Calling to the potential customer base to generate business Daily Sales Calls as per the Plan submitted to BBM To find, nurture and develop excellent relationship with the Referral Partners / Connectors Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business To give doorstep service to customers at their residence or office. To learn the Organization s policies, and source files as per the policy. To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager To Support the Customers in terms of end -to- end loan processing. To act as the Bridge between Customers and the Branch To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing. To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life. To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working. Retain existing live loan customers. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Strong presentation skills Relationship Building & Stake holder Management Process Knowledge/ Orientation Cross Selling / Upselling Skills Business Development Communication Skills Proficiency in local language and English Culture at Muthoot Pappachan Group We do everything to gain and maintain the Trust of all the stakeholders and don t do anything to lose their Trust . Trust is the overarching Core Value , one which, our other values have been built. Our Core Values Integrity Asking oneself before saying, doing or deciding on anything, whether it s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value Collaboration Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks Excellence Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don t get settled for less at any cost display the go getter attitude. Encourage people to stretch in order to achieve excellence Building on the bedrock of Core Values, below are the other key constituents of the Culture Code Honesty Humility Empathy Empowerment Agility Ownership Fresh Thinking & Continuous Renewal Inclusion Work-Life Balance Role Requirements Educational Qualification Graduate Experience At least 2 years experience in working in Retail Assets especially Home Loans and Loan Against Property business. Exposure to Affordable segment preferred.

Company Name Muthoot Fincorp Limited Job Title Branch Sales Manager, Secured & Unsecured Business Loans Grade C4 Location PAN India Reports to Business Manager, Secured & Unsecured Business Loans Span Of Control NA Job Purpose The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship. Key Job Responsibilities Deliver on Customer Acquisition through business development To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna) Work in the Area assigned by the Branch Business Manager and generate leads Cold Calling to the potential customer base to generate business Daily Sales Calls as per the Plan submitted to BBM To find, nurture and develop excellent relationship with the Referral Partners / Connectors Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business To give doorstep service to customers at their residence or office. To learn the Organization s policies, and source files as per the policy. To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager To Support the Customers in terms of end -to- end loan processing. To act as the Bridge between Customers and the Branch To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing. To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life. To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working. Retain existing live loan customers. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Strong presentation skills Relationship Building & Stake holder Management Process Knowledge/ Orientation Cross Selling / Upselling Skills Business Development Communication Skills Proficiency in local language and English Culture at Muthoot Pappachan Group We do everything to gain and maintain the Trust of all the stakeholders and don t do anything to lose their Trust . Trust is the overarching Core Value , one which, our other values have been built. Our Core Values Integrity Asking oneself before saying, doing or deciding on anything, whether it s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value Collaboration Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks Excellence Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don t get settled for less at any cost display the go getter attitude. Encourage people to stretch in order to achieve excellence Building on the bedrock of Core Values, below are the other key constituents of the Culture Code Honesty Humility Empathy Empowerment Agility Ownership Fresh Thinking & Continuous Renewal Inclusion Work-Life Balance Role Requirements Educational Qualification Graduate Experience At least 2 years experience in working in Retail Assets especially Home Loans and Loan Against Property business. Exposure to Affordable segment preferred.

Company Name Muthoot Fincorp Limited Job Title Branch Sales Manager, Secured & Unsecured Business Loans Grade C4 Location PAN India Reports to Business Manager, Secured & Unsecured Business Loans Span Of Control NA Job Purpose The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship. Key Job Responsibilities Deliver on Customer Acquisition through business development To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna) Work in the Area assigned by the Branch Business Manager and generate leads Cold Calling to the potential customer base to generate business Daily Sales Calls as per the Plan submitted to BBM To find, nurture and develop excellent relationship with the Referral Partners / Connectors Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business To give doorstep service to customers at their residence or office. To learn the Organization s policies, and source files as per the policy. To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager To Support the Customers in terms of end -to- end loan processing. To act as the Bridge between Customers and the Branch To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing. To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life. To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working. Retain existing live loan customers. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Strong presentation skills Relationship Building & Stake holder Management Process Knowledge/ Orientation Cross Selling / Upselling Skills Business Development Communication Skills Proficiency in local language and English Culture at Muthoot Pappachan Group We do everything to gain and maintain the Trust of all the stakeholders and don t do anything to lose their Trust . Trust is the overarching Core Value , one which, our other values have been built. Our Core Values Integrity Asking oneself before saying, doing or deciding on anything, whether it s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value Collaboration Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks Excellence Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don t get settled for less at any cost display the go getter attitude. Encourage people to stretch in order to achieve excellence Building on the bedrock of Core Values, below are the other key constituents of the Culture Code Honesty Humility Empathy Empowerment Agility Ownership Fresh Thinking & Continuous Renewal Inclusion Work-Life Balance Role Requirements Educational Qualification Graduate Experience At least 2 years experience in working in Retail Assets especially Home Loans and Loan Against Property business. Exposure to Affordable segment preferred.