Branch Business Manager

Muthoot Fincorp Ltd.; Jhansi; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Muthoot Fincorp Ltd. invites applications for a Branch Business Manager for Secured & Unsecured Lending to lead the Jhansi branch in Uttar Pradesh. The role focuses on building high-performing RO/RM/BSM teams, driving monthly and quarterly budgets, and ensuring superior customer experience.

The incumbent will manage portfolio quality, liaison with Credit, and expand micro markets, while coordinating with state, zonal, and national teams to achieve business goals.

Qualifications

• 5+ years of experience leading a sales/relationship team.
• Experience in Home Loans / Mortgages or NBFCs favored.
• Ability to manage multiple stakeholders and achieve targets.
• MBA/PG degree or higher education preferred.

Responsibilities

• Lead and motivate RO/RM/BSMs to exceed monthly/quarterly budgets.
• Own and resolve delinquencies while protecting portfolio quality.
• Identify micro markets and empanel referral partners for LAP and secured loans.
• Coordinate with Credit and SMEs to speed loan approvals.
• Cross-sell Insurance to loan customers to protect assets and health.
• Be the face of Muthoot Fincorp Ltd. for the location and drive customer experience.
• Collaborate with branches and authorities to resolve conflicts and optimize operations.
• Attract and retain high performers and monitor competition.

Skills

Team leadership

Sales leadership

Interpersonal skills

Communication skills

Recruitment

Target orientation

Positive attitude

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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5 RMs / BSMs; 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