BRANCH BUSINESS MANAGER-HOME LOANS

Muthoot Fincorp; Anakapalli District; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Muthoot Fincorp in Andhra Pradesh seeks a Branch Business Manager for Secured & Unsecured Lending to lead a sales team and grow loan portfolios. You will drive targets, build partnerships with referral sources, and manage risk and collections while maintaining high service standards.

The role demands strong leadership, customer-focused decisions, and collaboration with State/National teams. Prior experience in home loans, micro LAP, and gold-backed lending is preferred.

Qualifications

• Minimum 5 years of experience leading a sales team with at least 2 years on-roll.
• Experience in Home Loans / Mortgages; NBFC or affordable housing exposure.
• Strong interpersonal and communication skills.
• Ability to recruit and retain high-performing RO/RM/BSMs.
• Direct team management experience mandatory.
• Willingness to work across Secured & Unsecured lending.

Responsibilities

• Lead and motivate RO/RM/BSMs to exceed monthly/quarterly/annual budgets.
• Own and resolve early mortality, delinquencies, and NPAs from new sourcing and existing portfolio.
• Find micro markets and empanel referral partners to scale Micro LAP and Suvarna loans.
• Liaise with Credit and SMEs to clear loan proposals for faster decisioning.
• Cross-sell insurance to loan customers.
• Be the face of Muthoot Fincorp for the location.
• Suggest improvements to customer experience and report to management.
• Monitor competition and report to Zonal/National teams.
• Coordinate with branches for smooth disbursement of gold-backed loans.
• Attract and retain high performers.
• Liaise with law authorities if required.

Skills

Team leadership

Recruitment & retention

Customer segmentation

Interpersonal skills

Target delivery under pressure

Collections knowledge

Portfolio quality

Education

Any UG/PG or MBA

Job description

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

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No. of Reportees,

Designation & Grade

:

5 RMs / BSMs; 1 Collections Officer

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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.

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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.

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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

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Skill Sets

:

Experience in Home Loans / Mortgages, with team handling skill sets.

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Communication Skills

:

Good oral, written and presentation skills

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Experience

:

5+ years of overall experience

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:

Uncompromising ethical standards and discipline expected