Branch Business Manager- Lucknow

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

Job summary

Muthoot Fincorp invites applications for Branch Business Manager – Secured & Unsecured Lending in Lucknow. You will lead RO/RM/BSMs to achieve monthly, quarterly, and annual budgets, driving performance and customer outcomes.

Role requires 5+ years in sales leadership within financial services, with exposure to home loans/mortgages and direct team management. MBA or UG/PG in related field preferred; liaise with state, zonal, and national teams.

Qualifications

• 5+ years leading sales teams in financial services.
• Experience in secured/unsecured lending preferred.
• Experience with NBFCs or affordable housing advantageous.
• Strong on customer onboarding and cross-selling.

Responsibilities

• Lead and motivate RO/RM/BSMs to exceed budgets.
• Own and resolve delinquencies and NPAs.
• Identify micro markets and empanel referral partners for micro LAP and gold-backed loans.
• Coordinate with Credit and SMEs to speed loan decisioning.
• Cross-sell insurance to loan customers.

Skills

Leadership

Team management

Sales targeting

Customer relationship

Negotiation

Communication

Education

MBA or UG/PG in related field

Job description

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 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.

Stake Holders

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

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

Uncompromising ethical standards and discipline expected