Business Manager – Lending Business

Muthoot Fincorp Limited; Karimnagar; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Muthoot Fincorp Limited is seeking a Cluster Business Manager for Secured & Unsecured Lending. Lead regional sales, build branch networks, and drive portfolio growth across states. You will work with branches to roll out products, achieve cross-sell targets, and manage collections within policy.

Ideal candidate has 10+ years in sales with unsecured lending experience, strong communication, and leadership in channel/direct sales and training. Location expects readiness to handle all states.

Qualifications

• Must have experience in Secured lending / unsecured lending business.
• 10+ years of overall experience in sales/distribution.
• Educational qualifications: UG/PG or MBA as stated.

Responsibilities

• Achieve budgeted sales volumes and drive revenue growth.
• Build state/region sales structure aligned to targets.
• Collaborate with branches on products and distribution to grow portfolio.
• Achieve cross-sell targets across products.
• Manage soft bucket collections and maintain delinquency per policy.
• Coordinate with Credit & Risk on product rollout and processes.
• Ensure audit compliance and roll out requirements across sales.

Skills

Unsecured micro / small ticket / Biz

LAP Sales & Distribution

Channel and direct sales

Soft collections experience

Team building & Training

Excellent communication

Education

Any UG/PG or MBA

Job description

BRANCH BUSINESS MANAGER HOME LOANS ob Description A Job Specification

1 Company Name : Muthoot Fincorp Limited

2 Position / Designation : Cluster Business Manager – Secured & Unsecured Lending Business

3 Grade : E1/E2

4 Employment Type : All Employment Type

5 Reporting to – Designation & Grade : Zonal Sales Manager – Secured & Unsecured Lending Business

6 No. of Reportees, Designation & Grade :

7 Main Tasks & Areas of Responsibility :

• 1.. Achievement of Budgeted Sales Volumes.
• 2. Build relevant Sales structuer for State/region.
• 3. Work with branches on necessary products& distribution to build the portfolio.
• 4. Achievement of cross sell targets.
• 5. Responsible for soft bucket collections and maintain the delinquency as per desired level.
• 6. Work closely with Credit & Risk departments on product on Product & process roll outs.
• 7. Adhere & roll out Audit compliance /requirement to Sales vertical.
• . Monthly/Annual Sales Volumes/Portfolio as per budget plan.
• 2. Responsible for metrics IRR, process fee & ATS
• 3. Drive cross sell initiatives like insurance , other products through the team as well as the branches .

8 Skills and Exposure :

9 Special Requirements (If any) : Must have experience in Secured lending / unsecured lending business

10 Job Location / State : All States

11 Compensation Band : As per policy

12 Entitlements : As per policy

13 Stake Holders : MFL Staff, Group Company Staf

14 Career Progression : B

15 Educational Qualification / Technical Certification : Any UG/PG or MBA

16 Skill Sets : Unsecured Micro /small ticket /Biz loan Sales & distribution background. LAP Sales & Distribution ( not mandatory) Managed BTL initiatves. Channel and direct sales team experience. Soft Collections experience in unsecured loans. Team building& Training

17 Communication Skills : Excellent communication Skills – English language fluency - both verbal and written

18 Experience : 10+years of overall experience

19 Behavioral Competencies : Team work. Ability to work stretch/Multi-Tasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments& Organizational values. Task master having a daily grind on Sales/revenue numbers

20 Other Requirements (If any) : -