Branch Business Manager

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

Job summary

Branch Business Manager – Secured & Unsecured Lending Business at Muthoot Fincorp in India oversees a team of RMs/BSMs and a Collections Officer to drive secured and unsecured lending growth. You will manage monthly/quarterly targets, resolve delinquencies, and expand micro LAP and gold-backed lending while ensuring customer satisfaction and regulatory compliance.

The role requires 5+ years of leadership experience in lending, strong relationship-building with partners, and the ability to

Qualifications

• 5+ years of experience leading sales teams.
• Experience with RO/RM/BSMs and onroll staff.
• Exposure to Affordable Housing or NBFC sectors.
• Strong communication and interpersonal skills.
• Ability to deliver targets under pressure.
• Working knowledge of collections and recoveries.
• Accountability for portfolio quality.
• Direct team management experience mandatory.

Responsibilities

• Lead and motivate RO/RM/BSMs to meet budgets.
• Own and resolve delinquencies and NPAs.
• Empanel referral partners to grow micro LAP and secured loans.
• Liaise with Credit and SMEs to clear proposals quickly.
• Cross-sell insurance to loan customers.
• Be the face of Muthoot Fincorp for the location.
• Suggest improvements to customer experience.
• Monitor competition and inform zonal/national teams.
• Coordinate with branches for smooth disbursement.
• Attract and retain high performers.
• Liaise with law authorities to resolve conflicts.

Skills

Team Leadership

Sales Experience

Mortgage/Loans

Credit Liaison

Interpersonal Skills

Negotiation

Education

Any UG/PG or MBA

Job description

Branch Business Manager – Secured & Unsecured Lending Business

Grade: 4

Employment Type: All Employment Type

Reporting to – Designation & Grade: State Business Manager – Secured & Unsecured Lending Business

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 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.

Stake Holders

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

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

Uncompromising ethical standards and discipline expected