Getting a referral is 5x more effective than applying directly
Job Description
Job Description
A
Job Specification
1
Company Name
:
Muthoot Fincorp Limited
2
Position / Designation
:
Branch Business Manager – Secured & Unsecured Lending Business
3
Grade
:
4
Employment Type
:
All Employment Type
5
Reporting to –
Designation & Grade
:
State Business Manager – Secured & Unsecured Lending Business
6
No. of Reportees,
Designation & Grade
:
5 RMs / BSMs; 1 Collections Officer
7
Main Tasks & Areas of Responsibility
:
Lead & Motivate team of RO/RM/BSMs to build to Overachieve Monthly / Quarterly / Half Yearly / Annual Business Budget
Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna)
To liaison with Credit, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning
To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.
To Be the Face of SULB Muthoot Fincorp for that Location for all practical purposes.
To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer.
To Watch closely the Competition activities and report the same to the Zonal and National teams.
To Work closely with Muthoot Fincorp branches for smoother disbursement of Gold backed Secured Loans and their safekeep.
To Attract & Retain High Performers in the Team.
To Retain existing live loan customers.
To effectively liaison with law authorities for resolving conflicts if any.
8
Skills and Exposure
:
A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork.
Proven ability to Recruit and Retain high performing RO/RM/BSMs.
Atleast 5 years experience in leading a team of Sales Exectives, Team Leaders, with atleast 2 years of Onroll team members.
Having good working knowledge on Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure.
Excellent interpersonal and verbal communication skills
Ability to Work & Deliver business targets under pressure
Working knowledge of Collections/ Recoveries.
Be Accountable for Portfolio Quality of the Location.
9
Special Requirements (If any)
:
Direct team managing experience mandatory
Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.
Muthoot Finance Ltd. is India’s largest Non-Banking Financial Company (NBFC) specializing in gold loans. Headquartered in Kochi, Kerala, the company offers a wide range of financial services including personal loans, insurance, money transfer, forex, and microfinance. Its core business is providing instant loans against gold jewellery, primarily serving the unbanked and underserved population across urban and rural India. With over 6,000 branches and a strong presence in international markets like the UAE, USA, and UK, Muthoot Finance is known for its deep-rooted trust, operational scale, and strong commitment to financial inclusion. The company is publicly listed and regulated by the Reserve Bank of India.
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