Credit Manager

Muthoot Fincorp Limited; Nalgonda District; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Muthoot Fincorp Limited is seeking a Credit Manager – Branch Channel to oversee end-to-end credit operations across branches in India. The role involves leading outsourced credit process staff at PAMAC, coordinating with branches to ensure timely, compliant proposals, and driving digital enhancements in the credit process.

Applicant should have 5+ years in underwriting with 3+ years in unsecured lending, and possess strong interpersonal and communication skills.

Qualifications

• At least 5 years experience in underwriting, with at least 3 years unsecured lending experience.
• Experience in origination software like Finn One and 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.

Responsibilities

• End-to-end management of Credit Shop at PAMAC, coordinating outsourced staff in Chennai and guiding them to process proposals from branches.
• Process credit proposals sent by branches through Finn One.
• Ensure first-time-right approvals and disbursement dockets to Central Operations.
• Review branch/area delinquency against policy, delinquencies, and NPAs.
• Liaise with Gold Loan Branches and Area Managers on login quality, training and process initiatives.
• Look for opportunities to improve customer experience and provide inputs to senior management.
• Work on process improvements with PAMAC and branches.
• Liaise with law authorities to resolve conflicts if any.

Skills

Underwriting

Origination software

Risk tools

Interpersonal communication

Education

Any UG/PG or MBA

Tools

Finn One

Perfios

Hunter

Karza

Job description

credit manager Job Description A Job Specification

1 Company Name : Muthoot Fincorp Limited

2 Position / Designation : Credit Manager – Branch Channel. Secured & Unsecured Lending Business

3 Grade : D1

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 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.

8 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.

9 Special Requirements (If any) : Working knowledge of small ticket unsecured Business loans preferred.

10 Job Location / State : Chennai /TN.

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

16 Skill Sets : Unsecured Lending Credit experience.

17 Communication Skills : Good oral, written and presentation skills

18 Experience : 5+ years of overall experience

19 Behavioral Competencies : Uncompromising ethical standards and discipline expected

20 Other Requirements (If any) : -