Branch Business Manager

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

Job summary

Muthoot Fincorp is seeking a Branch Business Manager – Secured & Unsecured Lending to lead a field team across RO/RM/BSMs in Kakinada. You will drive monthly/quarterly budgets, manage credit goals, and build a referral network for Micro LAP and gold-backed loans.

The role requires 5+ years in lending with NBFC exposure and strong stakeholder management. Your leadership will focus on customer experience, risk control, and achieving aggressive targets while maintaining ethical standards and

Qualifications

• 5+ years of experience in leading a sales/LOB team.
• Experience in Home Loans / Mortgages business.
• Must manage RO/RM/BSMs teams.
• Experience with NBFCs or affordable housing is helpful.
• Excellent communication skills.
• Ethical standards and discipline required.

Responsibilities

• Lead and motivate RO/RM/BSMs to achieve monthly/quarterly budgets.
• Own and resolve early mortality, delinquencies and NPAs from new sourcing.
• Find new micro markets and empanel referral partners for Micro LAP andGold loans.
• Coordinate with Credit and SMEs to clear loan proposals quickly.
• Cross-sell insurance to loan customers.
• Be the face of Muthoot Fincorp for the location.
• Provide inputs to senior management to improve customer experience.
• Monitor competition and report to zones and national teams.
• Work with branches for smoother disbursement and safekeep.
• Attract and retain high performers.
• Liaise with authorities for conflicts if any.

Skills

Team leadership

Recruitment

Sales leadership

Customer segments

Interpersonal skills

Target achievement

Collections knowledge

Portfolio quality

Communication

Ethics

Education

MBA

Graduation

Job description

Branch Business Manager – Secured & Unsecured Lending Business

3

Grade

4

Employment Type

All Employment Type

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Designation & Grade

State Business Manager – Secured & Unsecured Lending Business

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No. of Reportees,

5 RMs / BSMs; 1 Collections Officer

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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.

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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.

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Special Requirements (If any)

Direct team managing experience mandatory

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

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Stake Holders

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

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Educational Qualification / Technical Certification

Any UG/PG or MBA

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Skill Sets

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

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Communication Skills

Good oral, written and presentation skills

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Experience

5+ years of overall experience

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Uncompromising ethical standards and discipline expected