Branch Business Manager

Muthoot Fincorp Limited

Dharmapuri

On-site

INR 900,000 - 1,300,000

Full time

2 days ago

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Job summary

Muthoot Fincorp Limited invites applications for the role of Branch Business Manager – Secured & Unsecured Lending in Tamil Nadu. You will lead a team of RMs/BSMs, drive loan origination and ensure healthy portfolio quality across secured and unsecured lending products.

The role requires 5+ years in sales leadership, strong communication, and the ability to collaborate with Credit teams and partners to scale micro LAP business, while maintaining high ethical standards.

Qualifications

5+ years of leading a sales team (RO/RM/BSMs) with on-roll staff.
Experience in Home Loans / Mortgages with team handling.
Strong interpersonal and verbal communication skills.
Knowledge of micro LAP / affordable housing is preferred.

Responsibilities

Lead and motivate RO/RM/BSMs to beat monthly/quarterly budgets.
Own and resolve early mortality, delinquencies and NPAs in portfolio.
Identify micro markets and empanel referral partners for Micro LAP and Suvarna loans.
Liaise with Credit and SMEs to clear loan proposals quickly.
Cross-sell Insurance to loan customers.
Be the face of SULB Muthoot Fincorp for the location and coordinate with branches.

Skills

Team leadership

Home Loans

Education

MBA

UG/PG

Job description

1 Company Name : Muthoot Fincorp Limited

2 Position / Designation : Branch Business Manager – Secured & Unsecured Lending Business

3 Grade : 4

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

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.

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 :