BRANCH BUSINESS MANAGER

PeopleStrong; Marthandam; Vor Ort; INR 1.000.000 - 1.500.000; Vollzeit

Zusammenfassung

Muthoot Fincorp invites applications for Branch Business Manager – Secured & Unsecured Lending in Tamil Nadu. You will lead a team of 5 RMs/BSMs and 1 Collections Officer, drive revenue, manage delinquencies, and explore new micro markets for gold-backed secured loans and micro LAP.

Strong leadership, compliance, and relationship skills are essential. Direct team management experience is mandatory; MBA or equivalent degree preferred.

Qualifikationen

• 5+ years of experience leading sales teams, incl. 2+ years with on-roll staff.
• Experience in Home Loans / Micro LAP or NBFC preferred.
• Excellent interpersonal and verbal communication skills.

Aufgaben

• Lead and motivate RO/RM/BSMs to exceed monthly/quarterly/annual budgets.
• Own and resolve delinquencies and NPAs on new and existing portfolios.
• Identify new micro markets and empanel referral partners for secured lending.
• Coordinate with Credit for faster loan decisioning.
• Cross-sell Insurance to loan customers.
• Represent the branch to senior management and external stakeholders.
• Collaborate with other branches for smooth disbursement and safekeeping of loans.
• Attract and retain high performers and manage conflicts with authorities.

Kenntnisse

People management

Recruitment

Communication skills

Target orientation

Team leadership

Industry knowledge

Ausbildung

MBA

UG/PG

Jobbeschreibung

Branch Business Manager – Secured & Unsecured Lending Business

Grade: D1

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