Branch Business Manager

Muthoot Fincorp Ltd.; Tadpatri Rural; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Muthoot Fincorp Ltd. invites applications for a Branch Business Manager overseeing Secured & Unsecured Lending. You will lead RO/RM/BSMs to achieve monthly, quarterly, and annual targets while managing end-to-end loan processes and customer onboarding.

In this role, you will coordinate with Credit, SMEs, and Collections to clear proposals, expand micro markets, and ensure cross-selling of Insurance alongside loan growth. Strong leadership and communication are essential.

Qualifications

• Educational qualifications include any UG/PG or MBA.
• Experience: 5+ years of overall experience.
• Experience leading Sales Executives/Team Leaders and onroll members.
• Exposure to Home Loans/Mortgages and NBFC/Affordable Housing is preferred.

Responsibilities

• Lead and motivate the RO/RM/BSMs team to achieve monthly/quarterly/half-yearly/annual budgets.
• Own and resolve early mortality, delinquencies, and NPAs from new sourcing and existing portfolio.
• Empanel quality referral partners to scale up Micro LAP and Gold-backed secured loans (Suvarna).
• Liaise with Credit and SMEs to clear loan proposals for faster decisioning.
• Cross-sell Insurance to loan customers for property, health, and life protection.
• Be the face of SULB Muthoot Fincorp for the location and coordinate with branches for smoother disbursements.
• Identify opportunities to improve customer experience and report to senior management.

Skills

Team leadership

Recruitment

Sales

Customer segments

Communication skills

Target delivery

Collections

Portfolio quality

Education

MBA

Job description

Branch Business Manager – Secured & Unsecured Lending Business

3

Grade

:

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

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.

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

:

11

Compensation Band

:

12

Entitlements

:

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

:

Uncompromising ethical standards and discipline expected