Credit Manager – Branch Channel

Muthoot Fincorp Ltd.; Delhi; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

Muthoot Fincorp Ltd. is seeking a Credit Manager – Branch Channel to oversee end-to-end credit operations across branches. You will steer a centralized PAMAC processing center and coordinate with outsourced staff to ensure timely, quality credit proposals and approvals.

You will monitor delinquency, NPAs, and portfolio quality, while driving digital enhancements, policy adherence, and customer experience improvements across the secured and unsecured lending portfolio.

Qualifications

• 5+ years of underwriting experience with at least 3 years in unsecured lending for small to mid-ticket loans.
• Experience with origination software like Finn One and risk tools such as Perfios, Hunter, and Karza is desirable.
• Strong ability to appraise proposals from Lower & Middle Income MSME segments.
• Excellent interpersonal, verbal communication, and ability to work under pressure to meet targets.

Responsibilities

• End-to-end management of Credit Shop at PAMAC across branches nationwide.
• Lead outsourced credit process staff and ensure first-time-right approvals and disbursement.
• Review branch/area delinquency against policy, delinquencies, and NPAs.
• Collaborate with law authorities for conflicts and drive customer experience improvements.
• Drive digital enhancements and portfolio quality across secured and unsecured lending.

Skills

Unsecured lending credit experience

Education

UG/PG or MBA

Tools

Finn One

Perfios

Hunter

Karza

Job description

Credit Manager – Branch Channel. Secured & Unsecured Lending Business

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Grade

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D1

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Employment Type

:

All Employment Type

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Reporting to –

Designation & Grade

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State Credit Manager – Secured & Unsecured Lending Business

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No. of Reportees,

Designation & Grade

:

Credit Operations

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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.

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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.

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Special Requirements (If any)

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Working knowledge of small ticket unsecured Business loans preferred.

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Job Location / State

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Chennai /TN.

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Compensation Band

:

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Entitlements

:

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Stake Holders

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Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams

B

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Educational Qualification / Technical Certification

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Any UG/PG or MBA

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Skill Sets

:

Unsecured Lending Credit experience.

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Communication Skills

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Good oral, written and presentation skills

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Experience

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5+ years of overall experience

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Uncompromising ethical standards and discipline expected