Branch Business Manager - Secured & Unsecured Lending

Muthoot Fincorp Limited

Shamshabad

On-site

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

Full time

4 days ago

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Job summary

Muthoot Fincorp Limited is seeking a Branch Business Manager for Secured & Unsecured Lending to drive performance in multiple states. You will lead a team of RMs/BSMs, grow micro markets, and ensure faster loan decisions by coordinating with Credit and SMEs.

Ideal candidates bring 5+ years in sales leadership within affordable housing or NBFC sectors, strong communication, and the ability to meet targets under pressure while maintaining portfolio quality.

Qualifications

At least 5 years experience in leading a team of Sales Executives and Team Leaders.
Minimum 2 years of on‑roll team members.
Experience in Lower & Middle Income segments; NBFC or Affordable Housing exposure.
Excellent interpersonal and verbal communication skills.
Ability to work under pressure and deliver targets.
Be accountable for portfolio quality of the location.

Responsibilities

Lead and motivate team of RO/RM/BSMs to achieve monthly/ quarterly/ annual budgets.
Find new micro markets and empanel good quality referral partners to scale Micro LAP and Gold-backed loans.
Liaise with Credit/SMEs to clear loan proposals for faster decisioning.
Cross-sell Insurance to loan customers to safeguard assets and health.
Be the face of SULB Muthoot Fincorp for the location and handle stakeholder relations.
Improve customer experience by addressing unmet needs and advising Sr. Management.
Monitor competitors and report to Zonal and National teams.
Coordinate with branches for smooth disbursement and safekeeping of gold loans.
Attract and retain high performing team members.
Retain existing live loan customers and manage stakeholder ties.

Skills

Team leadership

Recruitment

Performance management

Interpersonal skills

Communication skills

Sales targets

Leadership under pressure

Education

MBA or UG/PG degree

Job description

Branch Business Manager Job Description A Job Specification

Company Name

Muthoot Fincorp Limited

Position / Designation

Branch Business Manager – Secured & Unsecured Lending Business

Grade

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 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