Branch Business Manager

Muthoot Fincorp Ltd.; Rampur; In loco; INR 1.200.000 - 1.800.000; Tempo pieno

Descrizione del lavoro

Muthoot Fincorp Ltd. in Rampur, UP, seeks a Branch Business Manager for Secured & Unsecured Lending. You will lead a team of RMs/BSMs to grow loan origination, manage risk, and ensure high portfolio quality while meeting monthly and quarterly budgets.

The ideal candidate has 5+ years of leadership experience in Home Loans or NBFCs, strong communication, and a knack for building partnerships with credit teams and customers.

Competenze

• 5+ years of overall experience in sales leadership or branch management in NBFCs or housing/loan sectors.
• Direct team management experience mandatory.
• Experience in Home Loans / Mortgages with team handling.
• Excellent interpersonal and communication skills.

Mansioni

• Lead & motivate a team of RO/RM/BSMs to achieve monthly/quarterly/annual business targets.
• Own and resolve portfolio delinquencies and NPAs from new sourcing and existing book.
• Empanel quality referral partners to scale Micro LAP and gold-backed secured loans.
• Coordinate with credit and SME teams to clear proposals quickly for faster decisioning.
• Cross-sell Insurance to loan customers to safeguard assets and health.

Descrizione del lavoro

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

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

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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