Branch Credit Manager - Secured & Unsecured Lending

Muthoot Fincorp Limited

Anantapuram

On-site

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

Full time

14 days+

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Job summary

Muthoot Fincorp Limited invites applications for a Branch Credit Manager responsible for secured and unsecured lending across multiple branches. You will lead credit operations, oversee underwriting, and drive portfolio quality in a fast-paced NBFC environment.

The role requires 5+ years of underwriting experience, strong knowledge of housing and mortgage products, and proficiency with Finnone and risk tools.

Qualifications

5+ years underwriting experience in lending, preferably NBFC.
3+ years in Mortgages & Affordable Housing.
Experience with loan origination software like Finnone.
Familiar with risk tools perfios, hunter and karza.
Strong proposal appraisal for lower/middle income segments.

Responsibilities

End to end management of credit shops at branches assigned.
Support branch business team to acquire quality portfolio.
Ensure accuracy of login/disbursement documentation.
Monitor legal/technical reports from vendors to maintain quality.
Own and resolve early mortality, delinquencies and NPAs.
Liaise with business and SMEs to clear proposals quickly.
Identify improvements to policies and customer experience.
Retain existing live loan customers.
Coordinate with authorities to resolve conflicts.
Build a quality and profitable loan portfolio.

Skills

Underwriting

Mortgages

Affordable Housing

Team Handling

Communication

Education

MBA or UG/PG

Tools

Finnone

Perfios

Hunter

Karza

Job description

Branch Credit Manager Job Description A Job Specification

1 Company Name

Muthoot Fincorp Limited

2 Position / Designation

Branch Credit Manager – Secured & Unsecured Lending Business

3 Grade : 4 Employment Type : All Employment Type

5 Reporting to – Designation & Grade : State Credit Manager – Secured & Unsecured Lending Business

6 No. of Reportees, Designation & Grade

Credit Operations

7 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 Retain existing live loan customers.
To effectively liaison with law authorities for resolving conflicts if any.
To Build a Quality and Profitable Loan Portfolio.

8 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 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)

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

10 Job Location / State

Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh

11 Compensation Band

As per policy

12 Entitlements

As per policy

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