Credit Manager

Muthoot

4 - 10 years

Guntur

Posted: 27/06/2025

Job Description

Job Description

 

A

  Job Specification

1

Company Name

:

Muthoot Fincorp Limited

2

Position / Designation

:

Branch Credit Manager – Secured & Unsecured Lending Business

3

Grade

:

 

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 the Branches assigned
  • Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio
  • To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations.
  • Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well.
  • Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
  • To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products.
  • To liaison with Business, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning.
  • To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer.
  • To Retain existing live loan customers.
  • To effectively liaison with law authorities for resolving conflicts if any.
  • To Build a Quality and Profitable Loan Portfolio.

 

8

Skills and Exposure

:

  • A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork.
  • Proven ability to Work under Pressure with regard to TAT 
  • Adherence to laid down credit policies and suggest improvements if any.
  • Atleast 5 years experience in  underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza.
  • Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure.

 

  •  Excellent interpersonal and verbal communication skills

 

  • Ability to Work & Deliver business targets under pressure 

 

  • Working knowledge of Collections/ Recoveries.

 

  • Be Accountable for Portfolio Quality of the Location.

9

Special Requirements (If any)

:

 Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.

10

Job Location / State

:

Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 

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

:

Experience in Home Loans / Mortgages, with team handling skill sets.

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)

:

-

  

About Company

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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