Branch Business Manager - Secured & Unsecured Lending

Muthoot Fincorp Limited; Krishna; Vor Ort; INR 800.000 - 1.400.000; Vollzeit

Zusammenfassung

Muthoot Fincorp Limited is looking for a Branch Business Manager to lead a team of RMs/BSMs and drive secured and unsecured lending across multiple states. You will oversee performance, portfolio quality, and workflow across the branch.

The role requires a strong background in team leadership, micro-market development, and credit liaison, with a focus on excellent customer experience and collaboration with senior management.

Qualifikationen

• 5+ years of experience in leading a team of Sales Executives, Team Leaders, with at least 2 years of on-roll members.
• Experience in Home Loans / Mortgages, with team handling skill sets.
• Good interpersonal and verbal communication skills.

Aufgaben

• Lead and motivate RO/RM/BSMs to achieve monthly/quarterly/annual business targets.
• Find new micro markets and empanel quality referral partners for Micro LAP and gold-backed secured loans.
• Liaise with Credit and SMEs to clear loan proposals for faster decisioning.
• Cross-sell insurance to loan customers to safeguard assets and health.

Kenntnisse

Leadership

Team management

Customer focus

Negotiation

Communication

Ausbildung

Any UG/PG or MBA

Jobbeschreibung

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)

• 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)

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