Branch Business Manager

Muthoot Fincorp Limited; Theni; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Muthoot Fincorp Limited invites applications for Branch Business Manager – Secured & Unsecured Lending, leading RO/RM/BSMs and driving micro LAP and Suvarna portfolios. The role focuses on team leadership, customer-centric credit decisions, and cross-selling insurance to protect client assets.

Ideal candidates have 5+ years of leadership, strong communication, and NBFC/home loan exposure, with national regulatory awareness and a drive to meet targets across multiple regions.

Qualifications

• 5+ years of experience leading a team of Sales Executives/Team Leaders with at least 2 years of on-roll team members.
• Excellent interpersonal and verbal communication skills.
• Working knowledge of collections/recoveries.
• Accountable for portfolio quality of the location.
• Experience in affordable housing or NBFC with minimum 2 years of similar exposure.

Responsibilities

• Lead & motivate team of RO/RM/BSMs to achieve monthly/quarterly/half-yearly/annual business budget.
• Resolve early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• Find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna).
• Liaise with Credit, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning.
• Cross sell insurance effectively to loan customers to safeguard their Property, Health & Life.
• Act as the face of SULB Muthoot Fincorp for the location in all practical aspects.
• Identify opportunities to improve customer experience by providing inputs to Sr. Management.
• Monitor competition activities and report to the Zonal and National teams.
• Collaborate with Muthoot Fincorp branches for smoother disbursement of Gold backed Secured Loans and safekeeping.
• Attract & retain high performers in the team.
• Retain existing live loan customers.
• Liaise with law authorities for resolving conflicts if any.

Skills

Team leadership

Recruitment & retention

Sales leadership

Communication skills

Portfolio management

Education

UG/PG or MBA

Job description

Job Overview

• Company: Muthoot Fincorp Limited
• Position: Branch Business Manager – Secured & Unsecured Lending Business
• Grade: 4
• Employment Type: All Employment Type
• Reports To: State Business Manager – Secured & Unsecured Lending Business
• No. of Reportees: 5 RMs / BSMs; 1 Collections Officer

Key Responsibilities

• Lead & motivate team of RO/RM/BSMs to achieve monthly/quarterly/half-yearly/annual business budget.
• Resolve early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• Find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna).
• Liaise with Credit, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning.
• Cross sell insurance effectively to loan customers to safeguard their Property, Health & Life.
• Act as the face of SULB Muthoot Fincorp for the location in all practical aspects.
• Identify opportunities to improve customer experience by providing inputs to Sr. Management.
• Monitor competition activities and report to the Zonal and National teams.
• Collaborate with Muthoot Fincorp branches for smoother disbursement of Gold backed Secured Loans and safekeeping.
• Attract & retain high performers in the team.
• Retain existing live loan customers.
• Liaise with law authorities for resolving conflicts if any.

Skills & Exposure

• Result‑oriented individual with positive mental attitude and integrity.
• Proven ability to recruit and retain high performing RO/RM/BSMs.
• At least 5 years of experience leading a team of Sales Executives/Team Leaders with at least 2 years of on‑roll team members.
• Good working knowledge of lower & middle income customer segments.
• Experience in 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.
• Accountable for portfolio quality of the location.

Special Requirements

• Direct team managing experience mandatory.
• Working knowledge of Affordable Home Loans / Micro LAP business exposure preferable.

Job Location

Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarat, Delhi, Karnataka, Uttar Pradesh

Compensation

As per policy

Entitlements

As per policy

Stakeholders

Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams.

Educational Qualification

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

Behavioral Competencies

Uncompromising ethical standards and discipline expected

Other Requirements

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