2006 Ticketing Jobs - Page 32

Position / Designation Cluster Business Manager Secured & Unsecured Lending Business Grade E1/E2 Employment Type All Employment Type Reporting to Designation & Grade Zonal Sales Manager Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Main Tasks & Areas of Responsibility 1.. Achievement of Budgeted Sales Volumes. 2. Build relevant Sales structuer for State/region. 3. Work with branches on necessary products& distribution to build the portfolio. 4. Achievement of cross sell targets. 5. Responsible for soft bucket collections and maintain the delinquency as per desired level. 6. Work closely with Credit & Risk departments on product on Product & process roll outs. 7. Adhere & roll out Audit compliance /requirement to Sales vertical. . Monthly/Annual Sales Volumes/Portfolio as per budget plan. 2. Responsible for metrics IRR, process fee & ATS 3. Drive cross sell initiatives like insurance , other products through the team as well as the branches . Skills and Exposure Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State All States Compensation Band As per policy Entitlements As per policy Stake Holders MFL Staff, Group Company Staf Career Progression Educational Qualification / Technical Certification Any UG/PG or MBA Skill Sets Unsecured Micro /small ticket /Biz loan Sales & distribution background. LAP Sales & Distribution ( not mandatory) Managed BTL initiatves. Channel and direct sales team experience. Soft Collections experience in unsecured loans. Team building& Training Communication Skills Excellent communication Skills English language fluency - both verbal and written Experience 10+years of overall experience Behavioral Competencies Team work. Ability to work stretch/Multi-Tasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments& Organizational values. Task master having a daily grind on Sales/revenue numbers

Position / Designation Cluster Business Manager Secured & Unsecured Lending Business Grade E1/E2 Employment Type All Employment Type Reporting to Designation & Grade Zonal Sales Manager Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Main Tasks & Areas of Responsibility 1.. Achievement of Budgeted Sales Volumes. 2. Build relevant Sales structuer for State/region. 3. Work with branches on necessary products& distribution to build the portfolio. 4. Achievement of cross sell targets. 5. Responsible for soft bucket collections and maintain the delinquency as per desired level. 6. Work closely with Credit & Risk departments on product on Product & process roll outs. 7. Adhere & roll out Audit compliance /requirement to Sales vertical. . Monthly/Annual Sales Volumes/Portfolio as per budget plan. 2. Responsible for metrics IRR, process fee & ATS 3. Drive cross sell initiatives like insurance , other products through the team as well as the branches . Skills and Exposure Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State All States Compensation Band As per policy Entitlements As per policy Stake Holders MFL Staff, Group Company Staf Career Progression Educational Qualification / Technical Certification Any UG/PG or MBA Skill Sets Unsecured Micro /small ticket /Biz loan Sales & distribution background. LAP Sales & Distribution ( not mandatory) Managed BTL initiatves. Channel and direct sales team experience. Soft Collections experience in unsecured loans. Team building& Training Communication Skills Excellent communication Skills English language fluency - both verbal and written Experience 10+years of overall experience Behavioral Competencies Team work. Ability to work stretch/Multi-Tasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments& Organizational values. Task master having a daily grind on Sales/revenue numbers

Company Name Muthoot Fincorp Limited Position / Designation Cluster Business Manager Secured & Unsecured Lending Business Grade E1/E2 Employment Type All Employment Type Reporting to Designation & Grade Zonal Sales Manager Secured & Unsecured Lending Business No of Reportees, Main Tasks & Areas of Responsibility Achievement of Budgeted Sales Volumes Build relevant Sales structuer for State/region Work with branches on necessary products& distribution to build the portfolio Achievement of cross sell targets Responsible for soft bucket collections and maintain the delinquency as per desired level Work closely with Credit & Risk departments on product on Product & process roll outs Adhere & roll out Audit compliance /requirement to Sales vertical Monthly/Annual Sales Volumes/Portfolio as per budget plan Responsible for metrics IRR, process fee & ATS 3 Drive cross sell initiatives like insurance , other products through the team as well as the branches Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State All States Compensation Band As per policy Entitlements As per policy Stake Holders MFL Staff, Group Company Staf Career Progression B Educational Qualification / Technical Certification Any UG/PG or MBA Skill Sets Unsecured Micro /small ticket /Biz loan Sales & distribution background LAP Sales & Distribution ( not mandatory) Managed BTL initiatves Channel and direct sales team experience Soft Collections experience in unsecured loans Team building& Training Communication Skills Excellent communication Skills English language fluency - both verbal and written Experience 10+years of overall experience Behavioral Competencies Team work Ability to work stretch/Multi-Tasking Environment Effective Communication ability at different levels Adaptable to complex Work environments& Organizational values Task master having a daily grind on Sales/revenue numbers Other Requirements (If any) -

Company Name Muthoot Fincorp Limited Position / Designation Cluster Business Manager Secured & Unsecured Lending Business Grade E1/E2 Employment Type All Employment Type Reporting to Designation & Grade Zonal Sales Manager Secured & Unsecured Lending Business No of Reportees, Main Tasks & Areas of Responsibility Achievement of Budgeted Sales Volumes Build relevant Sales structuer for State/region Work with branches on necessary products& distribution to build the portfolio Achievement of cross sell targets Responsible for soft bucket collections and maintain the delinquency as per desired level Work closely with Credit & Risk departments on product on Product & process roll outs Adhere & roll out Audit compliance /requirement to Sales vertical Monthly/Annual Sales Volumes/Portfolio as per budget plan Responsible for metrics IRR, process fee & ATS 3 Drive cross sell initiatives like insurance , other products through the team as well as the branches Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State All States Compensation Band As per policy Entitlements As per policy Stake Holders MFL Staff, Group Company Staf Career Progression B Educational Qualification / Technical Certification Any UG/PG or MBA Skill Sets Unsecured Micro /small ticket /Biz loan Sales & distribution background LAP Sales & Distribution ( not mandatory) Managed BTL initiatves Channel and direct sales team experience Soft Collections experience in unsecured loans Team building& Training Communication Skills Excellent communication Skills English language fluency - both verbal and written Experience 10+years of overall experience Behavioral Competencies Team work Ability to work stretch/Multi-Tasking Environment Effective Communication ability at different levels Adaptable to complex Work environments& Organizational values Task master having a daily grind on Sales/revenue numbers Other Requirements (If any) -

Company Name Muthoot Fincorp Limited Position / Designation Cluster Business Manager Secured & Unsecured Lending Business Grade E1/E2 Employment Type All Employment Type Reporting to Designation & Grade Zonal Sales Manager Secured & Unsecured Lending Business No of Reportees, Main Tasks & Areas of Responsibility Achievement of Budgeted Sales Volumes Build relevant Sales structuer for State/region Work with branches on necessary products& distribution to build the portfolio Achievement of cross sell targets Responsible for soft bucket collections and maintain the delinquency as per desired level Work closely with Credit & Risk departments on product on Product & process roll outs Adhere & roll out Audit compliance /requirement to Sales vertical Monthly/Annual Sales Volumes/Portfolio as per budget plan Responsible for metrics IRR, process fee & ATS 3 Drive cross sell initiatives like insurance , other products through the team as well as the branches Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State All States Compensation Band As per policy Entitlements As per policy Stake Holders MFL Staff, Group Company Staf Career Progression B Educational Qualification / Technical Certification Any UG/PG or MBA Skill Sets Unsecured Micro /small ticket /Biz loan Sales & distribution background LAP Sales & Distribution ( not mandatory) Managed BTL initiatves Channel and direct sales team experience Soft Collections experience in unsecured loans Team building& Training Communication Skills Excellent communication Skills English language fluency - both verbal and written Experience 10+years of overall experience Behavioral Competencies Team work Ability to work stretch/Multi-Tasking Environment Effective Communication ability at different levels Adaptable to complex Work environments& Organizational values Task master having a daily grind on Sales/revenue numbers Other Requirements (If any) -

Company Name Muthoot Fincorp Limited Position / Designation Cluster Business Manager Secured & Unsecured Lending Business Grade E1/E2 Employment Type All Employment Type Reporting to Designation & Grade Zonal Sales Manager Secured & Unsecured Lending Business No of Reportees, Main Tasks & Areas of Responsibility Achievement of Budgeted Sales Volumes Build relevant Sales structuer for State/region Work with branches on necessary products& distribution to build the portfolio Achievement of cross sell targets Responsible for soft bucket collections and maintain the delinquency as per desired level Work closely with Credit & Risk departments on product on Product & process roll outs Adhere & roll out Audit compliance /requirement to Sales vertical Monthly/Annual Sales Volumes/Portfolio as per budget plan Responsible for metrics IRR, process fee & ATS 3 Drive cross sell initiatives like insurance , other products through the team as well as the branches Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State All States Compensation Band As per policy Entitlements As per policy Stake Holders MFL Staff, Group Company Staf Career Progression B Educational Qualification / Technical Certification Any UG/PG or MBA Skill Sets Unsecured Micro /small ticket /Biz loan Sales & distribution background LAP Sales & Distribution ( not mandatory) Managed BTL initiatves Channel and direct sales team experience Soft Collections experience in unsecured loans Team building& Training Communication Skills Excellent communication Skills English language fluency - both verbal and written Experience 10+years of overall experience Behavioral Competencies Team work Ability to work stretch/Multi-Tasking Environment Effective Communication ability at different levels Adaptable to complex Work environments& Organizational values Task master having a daily grind on Sales/revenue numbers Other Requirements (If any) -

Company Name Muthoot Fincorp Limited Position / Designation Credit Manager Branch Channel Secured & Unsecured Lending Business Grade D1 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 center 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) -

Job Description Position / Designation Credit Manager Branch Channel. Secured & Unsecured Lending Business Grade D1 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 center 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 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

Job Description Position / Designation Credit Manager Branch Channel. Secured & Unsecured Lending Business Grade D1 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 center 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 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

Job Description Position / Designation Credit Manager Branch Channel. Secured & Unsecured Lending Business Grade D1 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 center 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 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

Job Description Position / Designation Credit Manager Branch Channel. Secured & Unsecured Lending Business Grade D1 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 center 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 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

Job Description Position / Designation Credit Manager Branch Channel. Secured & Unsecured Lending Business Grade D1 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 center 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 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

Job Description Position / Designation Credit Manager Branch Channel. Secured & Unsecured Lending Business Grade D1 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 center 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 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

Job Description Position / Designation Credit Manager Branch Channel. Secured & Unsecured Lending Business Grade D1 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 center 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 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

Job Description Position / Designation Credit Manager Branch Channel. Secured & Unsecured Lending Business Grade D1 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 center 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 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

Job Description Position / Designation Credit Manager Branch Channel. Secured & Unsecured Lending Business Grade D1 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 center 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 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

Company Name Muthoot Fincorp Limited Position / Designation Credit Manager Branch Channel Secured & Unsecured Lending Business Grade D1 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 center 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) -

Job Description Position / Designation Credit Manager Branch Channel. Secured & Unsecured Lending Business Grade D1 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 center 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 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

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Cluster Credit Manager Secured & Unsecured Lending Business 3 Grade : D2 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 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. 8 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. 9 Special Requirements (If any) : Working knowledge of small ticket unsecured Business loans preferred. 10 Job Location / State : Chennai /TN. 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Unsecured Lending Credit experience. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Cluster Credit Manager Secured & Unsecured Lending Business 3 Grade : D2 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 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. 8 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. 9 Special Requirements (If any) : Working knowledge of small ticket unsecured Business loans preferred. 10 Job Location / State : Chennai /TN. 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Unsecured Lending Credit experience. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Cluster Credit Manager Secured & Unsecured Lending Business 3 Grade : MM5 - 60 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 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. 8 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. 9 Special Requirements (If any) : Working knowledge of small ticket unsecured Business loans preferred. 10 Job Location / State : Chennai /TN. 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Unsecured Lending Credit experience. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Cluster Credit Manager Secured & Unsecured Lending Business 3 Grade : D2 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 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. 8 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. 9 Special Requirements (If any) : Working knowledge of small ticket unsecured Business loans preferred. 10 Job Location / State : Chennai /TN. 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Unsecured Lending Credit experience. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Company Name Muthoot Fincorp Limited Position / Designation Cluster Credit Manager Secured & Unsecured Lending Business Grade MM5 - 60 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) -

Position / Designation Cluster Business Manager Secured & Unsecured Lending Business Grade E1/E2 Employment Type All Employment Type Reporting to Designation & Grade Zonal Sales Manager Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Main Tasks & Areas of Responsibility 1.. Achievement of Budgeted Sales Volumes. 2. Build relevant Sales structuer for State/region. 3. Work with branches on necessary products& distribution to build the portfolio. 4. Achievement of cross sell targets. 5. Responsible for soft bucket collections and maintain the delinquency as per desired level. 6. Work closely with Credit & Risk departments on product on Product & process roll outs. 7. Adhere & roll out Audit compliance /requirement to Sales vertical. . Monthly/Annual Sales Volumes/Portfolio as per budget plan. 2. Responsible for metrics IRR, process fee & ATS 3. Drive cross sell initiatives like insurance , other products through the team as well as the branches . Skills and Exposure Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State All States Compensation Band As per policy Entitlements As per policy Stake Holders MFL Staff, Group Company Staf Career Progression Educational Qualification / Technical Certification Any UG/PG or MBA Skill Sets Unsecured Micro /small ticket /Biz loan Sales & distribution background. LAP Sales & Distribution ( not mandatory) Managed BTL initiatves. Channel and direct sales team experience. Soft Collections experience in unsecured loans. Team building& Training Communication Skills Excellent communication Skills English language fluency - both verbal and written Experience 10+years of overall experience Behavioral Competencies Team work. Ability to work stretch/Multi-Tasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments& Organizational values. Task master having a daily grind on Sales/revenue numbers

Position / Designation Cluster Business Manager Secured & Unsecured Lending Business Grade E1/E2 Employment Type All Employment Type Reporting to Designation & Grade Zonal Sales Manager Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Main Tasks & Areas of Responsibility 1.. Achievement of Budgeted Sales Volumes. 2. Build relevant Sales structuer for State/region. 3. Work with branches on necessary products& distribution to build the portfolio. 4. Achievement of cross sell targets. 5. Responsible for soft bucket collections and maintain the delinquency as per desired level. 6. Work closely with Credit & Risk departments on product on Product & process roll outs. 7. Adhere & roll out Audit compliance /requirement to Sales vertical. . Monthly/Annual Sales Volumes/Portfolio as per budget plan. 2. Responsible for metrics IRR, process fee & ATS 3. Drive cross sell initiatives like insurance , other products through the team as well as the branches . Skills and Exposure Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State All States Compensation Band As per policy Entitlements As per policy Stake Holders MFL Staff, Group Company Staf Career Progression Educational Qualification / Technical Certification Any UG/PG or MBA Skill Sets Unsecured Micro /small ticket /Biz loan Sales & distribution background. LAP Sales & Distribution ( not mandatory) Managed BTL initiatves. Channel and direct sales team experience. Soft Collections experience in unsecured loans. Team building& Training Communication Skills Excellent communication Skills English language fluency - both verbal and written Experience 10+years of overall experience Behavioral Competencies Team work. Ability to work stretch/Multi-Tasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments& Organizational values. Task master having a daily grind on Sales/revenue numbers