BRANCH BUSINESS MANAGER

Muthoot Fincorp Ltd.; Bodhan; On-site; INR 1,400,000 - 2,100,000; Full time

Job summary

Muthoot Fincorp Ltd. is seeking a Branch Business Manager for Secured & Unsecured Lending in Telangana. You will lead RO/RM/BSMs, drive business growth, manage risks, and ensure timely disbursals while maintaining portfolio quality.

You will liaise with Credit and SME teams to speed up decisions and expand micro-lending channels, including gold-backed loans, in a competitive market. Strong leadership and market insight are essential.

Qualifications

• Result oriented with integrity and strong work ethic.
• Proven ability to recruit and retain high performing RO/RM/BSMs.
• 5+ years leading sales teams including on-roll members.
• Knowledge of lower & middle income segments in housing/NBFCs.
• Excellent interpersonal and verbal communication skills.
• Ability to deliver targets under pressure.
• Knowledge of collections/recoveries.
• Accountable for portfolio quality at the location.

Responsibilities

• Lead and motivate RO/RM/BSMs to exceed monthly/quarterly/annual targets.
• Own and resolve early mortality, delinquencies and NPAs in portfolio.
• Identify micro markets and empanel quality referral partners for micro LAP and gold-backed loans.
• Coordinate with Credit and SMEs to accelerate loan approvals.
• Cross-sell insurance to loan customers to protect assets and health.

Skills

Team leadership

Sales leadership

Home loans / mortgages

Communication skills

Education

UG/PG or MBA

Job description

Branch Business Manager – Secured & Unsecured Lending Business

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Grade

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Employment Type

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All Employment Type

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Reporting to –

Designation & Grade

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State Business Manager – Secured & Unsecured Lending Business

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No. of Reportees,

Designation & Grade

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6 RMs & 1 Collections Officer

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Main Tasks & Areas of Responsibility

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• 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.

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Skills and Exposure

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• 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.

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Special Requirements (If any)

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Direct team managing experience mandatory

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

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Job Location / State

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Compensation Band

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Entitlements

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Stake Holders

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Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams

B

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Educational Qualification / Technical Certification

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Any UG/PG or MBA

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Skill Sets

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

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Communication Skills

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Good oral, written and presentation skills

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Experience

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5+ years of overall experience

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Uncompromising ethical standards and discipline expected