Branch Business Manager - Secured & Unsecured Lending

Muthoot Fincorp Limited

Krishna

On-site

INR 800,000 - 1,400,000

Full time

14 days+

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Job summary

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.

Qualifications

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.

Responsibilities

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.

Skills

Leadership

Team management

Customer focus

Negotiation

Communication

Education

Any UG/PG or MBA

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)