BRANCH BUSINESS MANAGER

PeopleStrong; Avadi; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Muthoot Fincorp Ltd. is seeking a Branch Business Manager for Secured & Unsecured Lending in Tamil Nadu.

You will lead a team of RMs/BSMs, drive revenue, manage delinquencies, and ensure portfolio quality while partnering with agents and credit teams to accelerate loan approvals. Ideal candidates have 5+ years of sales leadership in NBFCs or affordable housing, strong communication, and the ability to work under pressure to achieve monthly and quarterly targets, including cross-selling insurance

Qualifications

• Minimum 5 years experience leading a sales team (RO/RM/BSMs) with 2+ years on-roll.
• Experience in Home Loans/Mortgages; affordable housing or NBFC exposure.
• Strong interpersonal and verbal communication skills.
• Ability to deliver targets under pressure.
• Direct team management experience.

Responsibilities

• Lead & Motivate team of RO/RM/BSMs to meet Monthly/Quarterly/Annual budgets.
• Own & resolve early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• Empanel good quality referral partners to scale up Micro LAP & Gold backed secured loans.
• Liaise with Credit and SMEs to clear loan proposals quickly.
• Cross-sell Insurance to loan customers for property, health & life.
• Be the Face of SULB Muthoot Fincorp for the location.
• Suggest improvements for customer experience to Sr. Management.
• Monitor competition and report to Zonal/National teams.
• Collaborate with branches for smooth disbursement and safekeep.
• Attract & retain high performers; liaison with law authorities if needed.

Skills

Result oriented

Recruit & retain

Team leadership

Lower income

Communication skills

Pressure targets

Collections

Portfolio quality

Education

MBA/UG

Job description

Branch Business Manager – Secured & Unsecured Lending Business

3

Grade

:

D1

4

Employment Type

:

All Employment Type

5

Reporting to –

Designation & Grade

:

State Business Manager – Secured & Unsecured Lending Business

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No. of Reportees,

Designation & Grade

:

5 RMs / BSMs; 1 Collections Officer

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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 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.

10

Job Location / State

:

11

Compensation Band

:

12

Entitlements

:

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

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Skill Sets

:

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

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Communication Skills

:

Good oral, written and presentation skills

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Experience

:

5+ years of overall experience

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:

Uncompromising ethical standards and discipline expected