BRANCH SALES OFFICER

Muthoot Fincorp Ltd.; Sri Ganganagar; On-site; INR 600,000 - 900,000; Full time

Job summary

Muthoot Pappachan Group is seeking a Branch Sales Manager for secured and unsecured business loans across PAN India. The role focuses on customer acquisition, field business development, and active engagement with referral partners to grow micro LAP and gold-backed loan portfolios.

Candidate should have graduate level education with at least 2 years in retail assets (home loans/LAP) and preferably exposure to the Affordable segment.

Qualifications

• Graduate with 2 years' experience in Retail Assets, especially Home Loans and Loan Against Property business.
• Exposure to Affordable segment preferred.

Responsibilities

• Deliver on Customer Acquisition through business development.
• Find new micro markets and empanel referral partners to scale Micro LAP and gold-backed secured loans (Suvarna).
• Work in the area assigned by the Branch Business Manager and generate leads.
• Cold calling to potential customers to generate business.
• Daily sales calls as per the plan submitted to BBM.
• Nurture and develop strong relationships with referral partners/connectors.
• Activate referral partners for new business.
• Provide doorstep service to customers at residence or office.
• Learn the organization’s policies and source files as per policy.
• Be the eyes and ears of the organization in the market and share opportunities with the Branch Manager.
• Support customers in end-to-end loan processing.
• Act as the bridge between customers and the branch.
• Handle soft bucket collections, early mortality, and 12 MOB fresh sourcing.
• Cross-sell insurance to loan customers to safeguard property, health, and life.
• Be the face of SULB Muthoot Fincorp for the area assigned.

Skills

Customer service

Relationship management

Business development

Communication

Local language & English

Education

Graduate

Job description

Job Title – Branch Sales Manager, Secured & Unsecured Business Loans

Grade – C4

Location – PAN India

Reports to – Business Manager, Secured & Unsecured Business Loans

Span Of Control – NA

Job Purpose

The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship.

Key Job Responsibilities

Deliver on Customer Acquisition through business development

• To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna)
• Work in the Area assigned by the Branch Business Manager and generate leads
• Cold Calling to the potential customer base to generate business
• Daily Sales Calls as per the Plan submitted to BBM
• To find, nurture and develop excellent relationship with the Referral Partners / Connectors

Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business

• To give doorstep service to customers – at their residence or office.
• To learn the Organization’s policies, and source files as per the policy.
• To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager
• To Support the Customers in terms of end -to- end loan processing.
• To act as the Bridge between Customers and the Branch
• To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing.
• To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.
• To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working.

Knowledge, Skills & Attributes

• Result Orientation
• Customer Service & Retention Focus
• Relationship Building & Stake holder Management
• Process Knowledge/ Orientation
• Business Development
• Communication Skills – Proficiency in local language and English

Culture at Muthoot Pappachan Group

We do everything to gain and maintain the “Trust” of all the stakeholders and don’t do anything to lose their “Trust”. Trust is the overarching “Core Value”, one which, our other values have been built.

Our Core Values

Integrity

• Asking oneself before saying, doing or deciding on anything, whether it’s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value
• Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks
• Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don’t get settled for less at any cost – display the go getter attitude. Encourage people to stretch in order to achieve excellence

Building on the bedrock of Core Values, below are the other key constituents of the “Culture Code”

• Humility
• Empathy
• Empowerment
• Agility
• Ownership
• Fresh Thinking & Continuous Renewal
• Inclusion
• Work-Life Balance

Role Requirements

Educational Qualification – Graduate

Experience – At least 2 years’ experience in working in Retail Assets especially Home Loans and Loan Against Property business. Exposure to Affordable segment preferred.