Branch Business Manager

Muthoot Fincorp Limited; Sivagangai; Vor Ort; INR 1.200.000 - 1.800.000; Vollzeit

Zusammenfassung

Muthoot Fincorp Limited invites applications for Branch Business Manager – Secured & Unsecured Lending Business. Lead a team of RO/RM/BSMs, drive micro market expansion, and ensure fast loan decisioning with strong portfolio discipline.

The role requires 5+ years of leadership in lending, familiarity with Home Loans/Mortgages, and ability to liaise with authorities and partner networks. Location flexibility across multiple states is expected.

Qualifikationen

• Minimum 5 years of team leadership experience in sales/executive roles.
• Experience in Affordable Home Loans / Micro LAP preferable.
• Strong interpersonal and communication skills.
• Accountable for portfolio quality and meeting business targets.

Aufgaben

• Lead and motivate RO/RM/BSMs to exceed monthly/quarterly budgets.
• Own and resolve early mortality, delinquencies, and NPAs in portfolio.
• Identify micro markets and empanel referral partners for LAP/gold loans.
• Collaborate with Credit and SMEs to clear loan proposals quickly.
• Cross-sell insurance to loan customers for protection.
• Be the face of SULB Muthoot Fincorp at the location.

Kenntnisse

Team leadership

Recruitment & retention

High targets delivery

Communication skills

Portfolio quality

Ausbildung

MBA or UG/PG

Jobbeschreibung

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) :

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