ZONAL CREDIT MANAGER

Muthoot

10 - 15 years

Chennai

Posted: 27/06/2025

Job Description

Job Profiles:-

Zonal Credit Managers

  • Management & Maintenance of the quality of the Credit Portfolio from Origination to Collections in the zone
  • End to End Accountability at the Pre-sanction phase of the loan, and part of the loan life cycle post disbursement in case of delinquency across the zone
  • Highly Specialized role – By nature of Interactions with Key Stakeholders by striking a balance between Quality & Growth of the Portfolio.
  • Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.
  • Aim to optimize Credit Risk management to facilitate the business expansion plans on zonal level
  • To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency
  • Conduct detailed analysis of delinquencies and recommend changes to the product teams
  • Ensure the successful adoption of internal compliances, regulatory framework across the business.
  • Coordinate with internal audit and regulatory audit regarding their various requirements.
  • Collaborate with Collections to drive down the net credit loss & delinquency metrics.
  • Review and approve credit proposals given.
  • Responsible for ensuring sound understanding of credit policy across all relevant levels.
  • Product knowledge at market level and market segmentation is necessary.


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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