Branch Business Manager - Secured & Unsecured Lending Business

Muthoot Fincorp Ltd.; Ambala; On-site; INR 900,000 - 1,200,000; Full time

Job summary

Muthoot Fincorp Limited seeks a Branch Business Manager for Secured & Unsecured Lending in Ambala. You will lead a team of RMs/BSMs and drive growth across secured and unsecured lending products, while ensuring loan quality and customer satisfaction.

The role requires direct team management experience, 5+ years in lending, and strong stakeholder coordination with sales and credit teams.

Qualifications

• Direct team management experience mandatory.
• Experience in Home Loans / Mortgages with team handling skill sets.
• 5+ years overall experience leading Sales Executives/Team Leaders with at least 2 years on-roll team members.

Responsibilities

• Lead & motivate RO/RM/BSMs to achieve monthly/quarterly/annual budgets.
• Own and resolve delinquencies and NPAs from new sourcing and existing portfolio.
• Empanel referral partners to scale Micro LAP and gold-backed secured lending (Suvarna).
• Liaise with Credit and SMEs to expedite loan decisions.
• Cross-sell Insurance to loan customers to safeguard assets and health.

Education

UG/PG or MBA

Job description

Branch Business Manager - Secured & Unse...

Branch Business Manager - Secured & Unse...

• Muthoot Fincorp Ltd.
• AMBALA

End Date 01 Jan 2027

Required Experience 5 - 7 years

Job Description

Job Description

A

Job Specification

1

Company Name

:

Muthoot Fincorp Limited

2

Position / Designation

:

Branch Business Manager – Secured & Unsecured Lending Business

3

Grade

:

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

7

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 effectively liaison with law authorities for resolving conflicts if any.

8

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.

9

Special Requirements (If any)

:

Direct team managing experience mandatory

Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.

10

Job Location / State

:

11

Compensation Band

:

12

Entitlements

:

13

Stake Holders

:

Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams

B

15

Educational Qualification / Technical Certification

:

Any UG/PG or MBA

16

Skill Sets

:

Experience in Home Loans / Mortgages, with team handling skill sets.

17

Communication Skills

:

Good oral, written and presentation skills

18

Experience

:

5+ years of overall experience

19

:

Uncompromising ethical standards and discipline expected