Branch Business Manager- SRIGANGANAGAR

PeopleStrong; Sri Ganganagar; On-site; INR 1,000,000 - 1,400,000; Full time

Job summary

Muthoot Fincorp invites applications for a Branch Business Manager to lead Secured & Unsecured Lending operations, manage a team, and drive loan portfolios across Secured and Unsecured products in the targeted region. The role requires strategic oversight, field leadership, and a focus on risk and portfolio quality.

The incumbent will coordinate with credit, collections, and sales teams to achieve aggressive business targets while ensuring high standards of customer experience and compliance

Qualifications

• 5+ years experience in leading a team of Sales Executives, Team Leaders, with at least 2 years of on-roll team members.
• Experience in Lower & Middle Income Customer Segments, in Affordable Housing or NBFC.
• Excellent interpersonal and verbal communication skills.
• Be accountable for Portfolio Quality of the Location.

Responsibilities

• Lead and motivate a team of RO/RM/BSMs to achieve monthly/quarterly/half-yearly/annual business budgets.
• Own and resolve early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• Source new micro markets and empanel good quality referral partners to scale up Micro LAP and Gold backed secured loans (Suvarna).
• Liaise with Credit and Subject Matter Experts to clear loan proposals for faster decisioning.
• Cross-sell insurance to loan customers to safeguard property, health and life.
• Be the face of SULB Muthoot Fincorp for the location for practical purposes.
• Suggest improvements to enhance customer experience by informing Sr. Management of unmet needs.
• Monitor competition and report to Zonal and National teams.
• Collaborate with branches for smoother disbursement of Gold backed secured loans and safekeeping.
• Attract and retain high performers; liaise with law authorities when needed.

Skills

Team leadership

Recruitment & retention

Sales management

Communication skills

Stakeholder management

Education

Any UG/PG or MBA

Job description

Branch Business Manager – Secured & Unsecured Lending Business

Grade

4

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 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