Branch Business Manager

Muthoot Fincorp Limited; Pudukkottai; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Muthoot Fincorp Limited is seeking a Branch Business Manager to lead a team across RO/RM/BSMs for secured and unsecured lending. The role focuses on achieving monthly/quarterly targets, managing delinquencies, and expanding micro LAP and Suvarna gold-backed lending.

You will liaise with credit teams, cross-sell insurance, and act as the face of the SULB location. Successful candidates have over 5 years of experience in sales leadership within affordable housing or NBFCs, strong communication,

Qualifications

• 5+ years leading a sales/relationship team in NBFC or affordable housing.
• Strong communication and interpersonal skills.
• Ability to manage targets under pressure and deliver budgets.

Responsibilities

• Lead and motivate team of RO/RM/BSMs to exceed monthly/quarterly targets.
• Build micro markets and empanel referral partners for LAP and Suvarna loans.
• Coordinate with Credit and SMEs to clear loan proposals quickly.
• Cross-sell Insurance to loan customers to protect assets.
• Act as the face of SULB Muthoot Fincorp at the location and liaise with authorities.

Skills

Team leadership

Communication skills

Target achievement

Portfolio quality

Stakeholder management

Education

MBA

UG/PG

Any degree

Job description

BRANCH BUSINESS MANAGER-HOME LOANS Job Description A Job Specification

• 1 Company Name : Muthoot Fincorp Limited
• 2 Position / Designation : Branch Business Manager – Secured & Unsecured Lending Business
• 3 Grade : D1
• 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
• 7 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 : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh,
• 11 Compensation Band : As per policy
• 12 Entitlements : As per policy
• 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B
• 15 Educational Qualification / Technical Certification : Any UG/PG or MBA
• 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets.
• 17 Communication Skills : Good oral, written and presentation skills
• 18 Experience : 5+ years of overall experience
• 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected
• 20 Other Requirements (If any) : -