Branch Business Manager - Home Loans and Secured Lending

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

Job summary

Muthoot Fincorp Limited is seeking a Branch Business Manager for Secured & Unsecured Lending. The role leads RO/RM/BSMs and Collections, driving growth across multiple state locations and partnerships to meet monthly and quarterly targets.

You will coordinate with Credit, SMEs, and management to streamline loan approvals, while cross-selling insurance and maintaining portfolio quality. Strong leadership and field presence are essential.

Qualifications

• Experience in Home Loans / Mortgages and team handling.
• Strong interpersonal and verbal communication skills.
• Ability to work under pressure and deliver business targets.
• Portfolio quality accountability for the location.

Responsibilities

• Lead & motivate team of RO/RM/BSMs to achieve monthly/quarterly/annual budgets.
• Own and resolve early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• Find new micro markets and empanel referral partners to scale up Micro LAP and Gold-backed secured loans.
• Liaise with Credit and SMEs to clear loan proposals for faster decisions.
• Cross-sell Insurance to loan customers to safeguard property, health & life.
• Be the face of SULB Muthoot Fincorp for the location and engage stakeholders.

Skills

Home Loans

Team Leadership

Education

UG/PG or MBA

Job description

Branch Business Manager - HL GUJ Job Description

A Job Specification

Company Name : Muthoot Fincorp Limited

Position / Designation : Branch Business Manager – Secured & Unsecured Lending Business

Grade : 4

Employment Type : All Employment Type

Reporting to – Designation & Grade : State Business Manager – Secured & Unsecured Lending Business

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 Retain existing live loan customers
• To effectively liaison with law authorities for resolving conflicts if any

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

Special Requirements (If any) :

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

Job Location / State :

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

Compensation Band :

As per policy

Entitlements :

As per policy

Stake Holders :

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

Educational Qualification / Technical Certification :

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 (If any) :

-