Branch Business Manager - Secured & Unsecured Lending

Muthoot Fincorp Limited

Anantapuram

On-site

INR 1,200,000 - 1,800,000

Full time

14 days+

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Job summary

Muthoot Fincorp Limited invites applications for a Branch Business Manager – Secured & Unsecured Lending. Lead a team of RM/BSMs and drive growth across multiple lending products in Telangana, Andhra Pradesh, Tamil Nadu, and other states.

You will be responsible for achieving business targets, managing loan approvals with Credit, and improving customer experience while cross-selling insurance and maintaining portfolio quality. Experience in Home Loans or NBFCs and strong leadership are essential.

Qualifications

5+ years experience leading a sales team
2+ years with on-roll team members
Experience with Lower & Middle Income customers
Background in Affordable Housing or NBFC
Knowledge of Collections/ Recoveries
Strong interpersonal and communication skills

Responsibilities

Lead & motivate team to exceed monthly/quarterly/annual budgets
Resolve early mortality, delinquencies and NPAs
Empanel quality referral partners for Micro LAP and Gold secured loans
Liaise with Credit to clear loan proposals for faster decisioning
Cross-sell Insurance to loan customers
Be the face of SULB Muthoot Fincorp for the location
Collaborate with branches for smoother disbursement and safekeep
Attract & retain high performers in the team
Retain existing live loan customers
Liaise with law authorities for conflicts if any

Skills

Team leadership

Sales management

Client relationship

Communication skills

Recruitment & retention

Portfolio quality

Education

MBA or degree

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)