Branch Business Manager - Secured & Unsecured Lending

Muthoot Fincorp Limited

Ambala

On-site

INR 1,000,000 - 1,800,000

Full time

14 days+

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Job summary

Muthoot Fincorp Limited is seeking a Branch Business Manager to lead Secured and Unsecured lending operations across multiple locations. You will manage a team of RMs/BSMs, drive loan growth, and ensure risk controls while enhancing customer experience.

The role requires a proven track record in sales leadership within affordable housing or NBFC sectors, with strong communication and stakeholder coordination skills. You'll work closely with Credit teams and regional management to meet targets.

Qualifications

At least 5 years of experience leading a sales team incl. RO/RM/BSMs.
Experience with Lower & Middle Income segments in Affordable Housing or NBFC.
Strong interpersonal and communication skills.
Ability to deliver targets under pressure.

Responsibilities

Lead and motivate team to achieve monthly/quarterly/annual business targets.
Identify micro markets and empanel referral partners to scale Micro LAP and Gold backed loans.
Coordinate with Credit and SMEs to expedite loan proposals.
Cross-sell Insurance to loan customers.
Represent Muthoot Fincorp Limited in the location.
Collaborate with branches for smooth disbursement of gold-backed loans.

Skills

People Leadership

Sales Leadership

Team Handling

Relationship Building

Communication

Customer Focus

Education

MBA

UG/PG equivalent

Job description

Branch Business Manager Job Description A Job Specification

1 Company Name : Muthoot Fincorp Limited

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

3 Grade : 4

4 Employment Type : All Employment Type

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

6 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)