Role Profile State Business Manager-Home Loan Role Profile Role Title: State Business Manager-Home Loan Designation: AVP Function: Sales-Home Loan Administrative Reporting: Zonal Business Manager-Home Loan Functional Reporting: Zonal Business Manager-Home Loan ROLE SPECIFICATION Role Title | State Business Manager-Home Loan | Employee Interviewed | | Reports To | State Business Manager - Home Loan | Company | Muthoot FinCorp Limited | Function/Department | Home Loan-SULB | Written By | | Approved By (Jobholder) | | Approved By (Immediate Superior) | |
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ROLE SUMMARY This role is responsible for driving business growth, managing sales teams, and ensuring timely collections in their assigned region KEY RESPONSIBILITIES Business growth and development | Generate high-quality business, analyze market dynamics, and identify opportunities for growth | Team Management | Lead, motivate, and manage a team of Cluster Heads ,BBM & FOS to ensure they meet their targets | Branch Administration | Oversee branch administration and infrastructure. | Sales development | Develop and execute sales strategies, build relationships with builders, developers, and local authorities, and facilitate smooth sales closure | Compliance | Ensure compliance with regulatory requirements and implement effective risk management strategies. | Stakeholder Engagement | Collaborate with Technical, Legal, Audit, Finance, IT and Operations. |
KEY CHALLENGES KEY DECISIONS TAKEN With respect to ROI, CBM can approve 0.5% deviation KEY INTERACTIONS Internal Stakeholders | External Stakeholders | - Credit
- Legal
- Technical
- Audit
- Operations
| - Customers
- DSA
- External Legal team
- TEAL
- MAATRUM (legal & technical)
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KEY ROLE DIMENSIONS Geographical Coverage- No of Direct Reportees- Total Team Size - Portfolio - | Cluster (entire state) 27-30 200 -250 350-400 Cr |
KEY SKILLS & BEHAVIOURAL ATTRIBUTES - Strong understanding of the Branch business, & local Geographical Market.
- Market principles, practices and current business trends.
- Knowledge of business mortgage loans, products, processes, and regulations
- Ability to manage multiple priorities and be able to handle deadlines.
- Knowledge upgrading on latest regulatory norms.
- Knowledge in financial analysis & knowledge in data analysis.
- Good communication and interpersonal skills.
- Good in collaboration with internal & external partners.
- Leadership Skills.
- Attract and retain good talent for key roles through training & mentoring.
EDUCATION / EXPERIENCE Minimum Qualification: Any Graduate / postgraduate Nature of Experience: 10+ Years Experience in similar industry. |
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