Branch Business Manager - Secured & Unsecured Lending Business

Muthoot Fincorp Ltd.; Hisar; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Muthoot Fincorp Ltd. in Hisar invites applications for the role of Branch Business Manager in Secured & Unsecured Lending. Lead a RO/RM/BSM team to drive monthly and quarterly targets while maintaining portfolio quality.

The position requires 5–7 years of leadership experience in lending, with a track record of managing high-performing teams in NBFCs or affordable housing segments. Strong communication and stakeholder management are essential.

Qualifications

• 5+ years of experience leading a sales/executive team with on-roll members.
• Experience in secured/unsecured lending or NBFCs is preferred.
• Strong communication, interpersonal and presentation skills.

Responsibilities

• Lead & Motivate team of RO/RM/BSMs to achieve budgets.
• Own & resolve early mortality, delinquencies and NPAs from sourcing and portfolio.
• Identify new micro markets and empanel quality referral partners to scale up Micro LAP and Gold backed secured loans.
• Liaise with Credit and SMEs to clear loan proposals for faster decisions.
• Cross-sell insurance to loan customers to safeguard property, health and life.
• Be the face of SULB Muthoot Fincorp for the location.
• Suggest improvements to management to enhance customer experience.
• Monitor competition and report to Zonal/National teams.
• Coordinate with branches for smoother disbursement and safekeep of assets.
• Attract & retain high performers in the team.
• Liaise with authorities for resolving conflicts if any.

Skills

Recruitment

Team leadership

Sales leadership

Interpersonal skills

Communication

Target-driven

Collections knowledge

Portfolio management

Education

UG/PG or MBA

Job description

Branch Business Manager - Secured & Unsecured Lending Business

MFL/BBM-S-ULB/1412452

• Muthoot Fincorp Ltd.
• HISAR

Posted On 04 Jul 2025

End Date 01 Jan 2027

Required Experience 5 - 7 years

Job Description

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.

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.

Stake Holders

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

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

Uncompromising ethical standards and discipline expected