Branch Business Manager LAP

PeopleStrong; Pune District; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

PeopleStrong is seeking a Branch Business Manager for Secured & Unsecured Lending to lead a team of RMs/BSMs and drive growth in the secured loan portfolio in the Pune region.

The role requires 5+ years of sales leadership, experience in Home Loans/Mortgages, and a track record of meeting targets while ensuring portfolio quality. You will collaborate with credit teams and partners, oversee delinquencies, and build strong referral networks.

Qualifications

• 5+ years leading a sales team with on-roll members.
• Experience in Home Loans / Mortgages with NBFC exposure.
• Experience in Affordable Housing or Micro LAP.
• Strong interpersonal and presentation skills.
• Accountable for portfolio quality of the location.

Responsibilities

• Lead and motivate RO/RM/BSMs to achieve monthly/quarterly/half-yearly/annual budgets.
• Own and resolve early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• Find micro markets and empanel good quality referral partners to scale up Micro LAP and Gold-backed secured business loans.
• Liaise with Credit and Subject Matter Experts to clear loan proposals for faster decisions.
• Cross-sell insurance to loan customers to safeguard assets and health.
• Be the face of the location for all practical purposes and coordinate with stakeholders.

Skills

Team Leadership

Sales Management

Recruitment

Customer Segments

Communication Skills

Targets under Pressure

Collections/Recoveries

Home Loans

Education

MBA / PG in any field

Job description

Branch Business Manager – Secured & Unsecured Lending Business

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Grade

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Employment Type

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All Employment Type

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Reporting to –

Designation & Grade

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State Business Manager – Secured & Unsecured Lending Business

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No. of Reportees,

Designation & Grade

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5 RMs / BSMs; 1 Collections Officer

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Main Tasks & Areas of Responsibility

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• 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

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• 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)

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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

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Entitlements

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Stake Holders

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

B

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Educational Qualification / Technical Certification

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Any UG/PG or MBA

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Skill Sets

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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

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5+ years of overall experience

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Uncompromising ethical standards and discipline expected