BRANCH BUSINESS MANAGER-HOME LOANS

PeopleStrong; Eluru District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

PeopleStrong is seeking a Branch Business Manager – Secured & Unsecured Lending to lead a regional team. The role requires steering RO/RM/BSMs, driving performance against budgets, and improving customer experience through proactive decisioning and strong stakeholder collaboration.

The candidate should have 5+ years of leadership in lending, with exposure to Affordable Home Loans / Micro LAP and Lower/Middle Income segments, and excellent communication skills in English and local languages.

Qualifications

• 5+ years of experience leading a team of sales executives and team leaders, with at least 2 years on-roll members.
• Direct team management experience is mandatory.
• Experience in Affordable Home Loans / Micro LAP business exposure.
• Working knowledge of Lower & Middle Income customer segments.
• Excellent communication skills in English and local language.

Responsibilities

• Lead and motivate RO/RM/BSMs to exceed monthly/quarterly/half-yearly/annual business budgets.
• Own and resolve early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• Identify micro markets and empanel high-quality referral partners to scale micro LAP and Gold-backed secured lending (Suvarna).
• Coordinate with Credit and SME teams to clear loan proposals for faster decisions.
• Cross-sell Insurance to loan customers to protect property, health, and life.
• Represent the location for the lending business and liaise with senior management for customer experience improvements.
• Monitor competition and report insights to Zonal and National teams.
• Collaborate with branches for smoother disbursement and safekeeping of secured loans.

Skills

Team leadership

Home Loans / Mortgages

Communication skills

Interpersonal skills

Portfolio quality accountability

Recruit & retain top performers

Education

UG/PG or MBA

Job description

Branch Business Manager – Secured & Unsecured Lending Business

3

Grade

:

D1

4

Employment Type

:

All Employment Type

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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.

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Job Location / State

:

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Compensation Band

:

12

Entitlements

:

13

Stake Holders

:

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

B

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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

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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