Credit Manager

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

Job summary

Muthoot Fincorp Limited in Chennai is seeking a Credit Manager – Branch Channel to manage end-to-end credit operations across India, coordinating PAMAC processing and vendor staff.

The candidate should have 5+ years underwriting experience, unsecured lending exposure, MSME evaluation skills, and a strong drive to build a profitable, high-quality loan portfolio while ensuring timely approvals and strong customer focus.

Qualifications

• 5+ years of experience in underwriting role, with at least 3 years unsecured Lending experience in small mid ticket loans.
• Experience in Origination software like Finn One, risk tools like Perfios, Hunter, Karza is desirable.
• Strong understanding of appraising proposals from Lower & Middle Income MSME Customer Segments.
• Excellent interpersonal and verbal communication skills.
• Be Accountable for Portfolio Quality of the Location.
• Working knowledge of Collections/ Recoveries.
• Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any.
• A result oriented individual with Positive Mental Attitude with Integrity, willing to put hard work.

Responsibilities

• End to End Managing of Credit Shop at PAMAC which is Standardized/ central processing center for All Branches Across India.
• Primarily leading a set of outsourced credit process staff working out our Vendor PAMAC in Chennai , leading them to process credit proposals send by Branches thru Finn One system.
• Proactively respond to the business requirements & challenges and support Branch Team to acquire Quality Portfolio
• To ensure FIRST TIME RIGHT of approvals , and Disbursement dockets submitted to Central Operations.
• Review Branch level/Area level delinquency against policy parameters , delinquencies and NPAs .
• Analytically capable to set up proper credit parameters in system and lead the credit process into more digitally driven Eco system.
• To liaison with Gold Loan Branches and Area Managers login quality , training and process initiative implementation.
• 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.
• Continuously work on process improvements with PAMAC and Branches .
• To effectively liaison with law authorities for resolving conflicts if any.
• To Build a Quality and Profitable Loan Portfolio.

Skills

Positive attitude

Underwriting

Unsecured lending

MSME appraisal

Interpersonal skills

Pressure handling

Portfolio quality

Collections/ Recoveries

Education

UG/PG or MBA

Tools

FinnOne

Perfios

Hunter

Karza

Job description

credit manager Job Description A Job Specification

Company Name

Muthoot Fincorp Limited

Position / Designation

Credit Manager – Branch Channel. Secured & Unsecured Lending Business

Grade

D1

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 PAMAC which is Standardized/ central processing center for All Branches Across India.
• Primarily leading a set of outsourced credit process staff working out our Vendor PAMAC in Chennai , leading them to process credit proposals send by Branches thru Finn One system.
• Proactively respond to the business requirements & challenges and support Branch Team to acquire Quality Portfolio
• To ensure FIRST TIME RIGHT of approvals , and Disbursement dockets submitted to Central Operations.
• Review Branch level/Area level delinquency against policy parameters , delinquencies and NPAs .
• Analytically capable to set up proper credit parameters in system and lead the credit process into more digitally driven Eco system.
• To liaison with Gold Loan Branches and Area Managers login quality , training and process initiative implementation.
• 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.
• Continuously work on process improvements with PAMAC and Branches .
• 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 hard work.
• 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 at least 3 years unsecured Lending experience in small mid ticket loans.
• Experience in Origination software like Finn one, risk tools like Perfios, Hunter, Karza is desirable.
• Strong understanding of appraising proposals from Lower & Middle Income MSME Customer Segments.
• 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 small ticket unsecured Business loans preferred.

Job Location / State

Chennai /TN.

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

Unsecured Lending Credit experience.

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)

-