Branch Credit Manager - Secured & Unsecured Lending

Muthoot Fincorp Limited; Pali; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Muthoot Fincorp Limited in India seeks a Branch Credit Manager for secured and unsecured lending. You will oversee end-to-end credit operations at the branch, ensure quality portfolios, and liaise with central teams to align policies with local needs.

The role requires 5+ years in underwriting, mortgage or affordable housing experience, exposure to FinnOne and other risk tools, and strong communication to drive branch performance and customer experience.

Qualifications

• 5+ years of underwriting experience.
• Mortgages & Affordable Housing exposure.
• Experience with loan origination software and risk tools.

Responsibilities

• End-to-end management of credit shop at the branches assigned.
• Support branch business team to acquire quality portfolio.
• Ensure timely and compliant processing of loan proposals and disbursements.
• Liaise with state/central teams to clear policies and improve customer experience.

Skills

Underwriting

Mortgages

Team Leadership

Communication

Loan Origination

Risk Tools

NBFC Experience

Affordable Housing

Education

Any UG/PG or MBA

Tools

FinnOne

Perfios

Hunter

Karza

Job description

Branch Credit Manager Job Description

A Job Specification

• Company Name: Muthoot Fincorp Limited
• Position / Designation: Branch Credit Manager - Secured & Unsecured Lending Business
• Grade: 4 Employment Type: All Employment Type
• Reporting to - Designation & Grade: State Credit Manager - Secured & Unsecured Lending Business
• No. of Reportees, Designation & Grade: Credit Operations
• 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.
• 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.
• Special Requirements (If any): Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.
• Job Location / State: Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh,
• Compensation Band: As per policy
• Entitlements: As per policy
• Stake Holders: Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B
• 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
• Behavioral Competencies: Uncompromising ethical standards and discipline expected
• Other Requirements (If any): -