Branch Credit Manager

Muthoot Fincorp Ltd.; Indore District; Vor Ort; INR 1.200.000 - 2.000.000; Vollzeit

Zusammenfassung

Muthoot Fincorp Ltd. is hiring a Branch Credit Manager to oversee secured and unsecured lending across designated branches in Indore region.

The role emphasizes end-to-end credit processing, policy adherence, and proactive collaboration with business teams to drive quality portfolio growth. Candidates should have 5+ years in underwriting, with mortgage and affordable housing exposure, and hands-on experience with Finnone and risk tools like Perfios, Hunter, and Karza.

Qualifikationen

• At least 5 years of underwriting experience.
• Minimum 3 years in Mortgages & Affordable Housing.
• Exposure toLoan Origination software Finnone and risk tools Perfios, Hunter, Karza.
• Experience in NBFC or Affordable Housing sectors.

Aufgaben

• End to end management of Credit Shop at assigned branches.
• Support Branch Business Team to acquire quality portfolio.
• Ensure First Time Right logins and disbursement dockets submitted to Central Operations.
• Monitor technical and legal reports from vendors for timely delivery.
• Own and resolve early mortality, delinquencies and NPAs in portfolio.
• Liaise with business and SME teams to clear loan proposals for faster decisions.
• Identify improvements to policies and products for better customer experience.
• Build a quality and profitable loan portfolio.

Kenntnisse

Interpersonal skills

Communication skills

Team handling

Underwriting experience

Ausbildung

Any UG/PG or MBA

Tools

Finnone

Perfios

Hunter

Karza

Jobbeschreibung

Branch Credit Manager – Secured & Unsecured Lending Business

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Grade

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Employment Type

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All Employment Type

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Reporting to –

Designation & Grade

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State Credit Manager – Secured & Unsecured Lending Business

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No. of Reportees,

Designation & Grade

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Credit Operations

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Main Tasks & Areas of Responsibility

• End to End Managing of Credit Shop at the Branches assigned
• Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio
• To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations.
• Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well.
• Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products.
• To liaison with Business, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning.
• 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 effectively liaison with law authorities for resolving conflicts if any.
• To Build a Quality and Profitable Loan Portfolio.

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Skills and Exposure

• A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork.
• Proven ability to Work under Pressure with regard to TAT
• Adherence to laid down credit policies and suggest improvements if any.
• Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza.
• Strong understanding of appraising proposals from 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.

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Special Requirements (If any)

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

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Job Location / State

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Compensation Band

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Entitlements

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Stake Holders

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

B

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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

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Uncompromising ethical standards and discipline expected