Branch Business Manager

PeopleStrong; Chittoor; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

PeopleStrong is seeking a Branch Business Manager – Secured & Unsecured Lending for the Andhra Pradesh region. You will lead a team of RMs/BSMs and drive loan growth across secured and unsecured portfolios.

You will own risk metrics, manage partnerships, and coordinate with Credit and operations to ensure timely loan proposals and customer experience. The role demands strong leadership and market expansion capabilities.

Qualifications

• 5+ years of experience leading Sales/ RM/BSM teams.
• Experience in Home Loans / Mortgages or Secured & Unsecured lending.
• Excellent interpersonal and verbal communication skills.
• Strong ability to recruit and retain high performers.
• Working knowledge of risk, collections, and portfolio quality.

Responsibilities

• Lead and motivate RO/RM/BSMs to exceed monthly, quarterly, half-yearly and annual budgets.
• Own and resolve early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• Empanel quality referral partners to scale up Micro LAP and gold-backed secured lending.
• Coordinate with Credit and SMEs to clear loan proposals for faster decisions.
• Cross-sell Insurance to loan customers to safeguard property, health and life.
• Be the face of SULB Muthoot Fincorp for the location.
• Suggest improvements to senior management to enhance customer experience.
• Monitor competition and report insights to Zonal and National teams.
• Collaborate with branches for smoother disbursement and safekeeping of loans.
• Attract and retain high performers in the team.
• Liaise with authorities to resolve conflicts when needed.

Skills

Team leadership

Sales / Lending

Customer relations

Interpersonal comms

Ethical standards

Education

MBA / UG or PG

Job description

Branch Business Manager – Secured & Unsecured Lending Business

3

Grade

:

4

Employment Type

:

All Employment Type

5

Reporting to –

Designation & Grade

:

State Business Manager – Secured & Unsecured Lending Business

6

No. of Reportees,

Designation & Grade

:

5 RMs / BSMs; 1 Collections Officer

7

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

16

Skill Sets

:

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

17

Communication Skills

:

Good oral, written and presentation skills

18

Experience

:

5+ years of overall experience

19

:

Uncompromising ethical standards and discipline expected