Area Sales Manager - Secured & Unsecured Lending

Muthoot Fincorp Limited; Bhopal; Presencial; INR 900.000 - 1.500.000; Jornada completa

Descripción de la vacante

Muthoot Fincorp Limited is seeking an Area Sales Manager for Secured & Unsecured Lending to lead a field team and drive growth across multiple states, including MP. The role demands strong leadership, deep knowledge of home loan products, and a talent for building partnerships with referral sources.

You will oversee RMs and a collections officer, align sales targets with budgets, and collaborate with branches to ensure timely disbursements and portfolio quality.

Formación

• 5+ years leading sales teams in NBFCs or housing finance.
• Experience in micro markets and referrals to scale lending.
• Ability to meet sales targets under pressure and build high-performing teams.

Responsabilidades

• Lead and motivate RO/RM/BSMs to exceed monthly/quarterly budgets.
• Identify micro markets and empanel quality referral partners for Micro LAP and Gold loans.
• Coordinate with Credit and SMEs to clear loan proposals for faster decisioning.
• Cross-sell insurance to loan customers to safeguard property, health and life.
• Liaise with branches for smooth disbursement of secured loans and safekeeping.
• Attract and retain high performers in the team and retain existing customers.

Conocimientos

Team leadership

Home loans

Mortgage sales

Customer relations

Educación

MBA

Bachelor's degree

Descripción del empleo

Company Name

Muthoot Fincorp Limited

Position / Designation

Area Sales Manager – Secured & Unsecured Lending Business

Grade

MM4

Employment Type

All Employment Type

Reporting to – Designation & Grade

State Business Manager – Secured & Unsecured Lending Business

No. of Reportees, Designation & Grade

5 RMs 1 Collections Officer

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.

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.

Special Requirements (If any)

Direct team managing experience mandatory Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.

Job Location / State

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

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

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

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)

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