Credit Manager - GUJ

Muthoot Fincorp; Ahmedabad; On-site; INR 1,100,000 - 1,600,000; Full time

Job summary

Muthoot Fincorp is seeking a Credit Manager – Branch Channel for Secured and Unsecured Lending. The role centers on managing a centralized credit shop (PAMAC) and coordinating with outsourced staff in Chennai to process proposals from branches through Finn One.

You will proactively support branches to achieve quality portfolios, ensure first-time-right approvals, and monitor delinquencies while driving a more digitally driven credit ecosystem across India.

Qualifications

• 5+ years of overall experience in underwriting.
• Minimum 3 years in unsecured lending for small mid-ticket loans.
• Experience with Finn One and risk tools is desirable.
• Strong understanding of appraising proposals from Lower & Middle Income MSME segments.
• Excellent interpersonal and verbal communication skills.

Responsibilities

• End to End Managing of Credit Shop at PAMAC, a centralized processing center for all branches across India.
• Lead outsourced credit process staff at PAMAC in Chennai to process proposals from branches via Finn One.
• Support branches to acquire quality portfolios and respond to business needs.
• Ensure first-time-right approvals and disbursement dockets to Central Operations.
• Monitor delinquency by branch/area and align with policy parameters.
• Set up credit parameters in the system and drive a digitally powered ecosystem.

Skills

Unsecured lending experience

Underwriting

Credit analysis

Education

MBA or relevant degree

Any 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

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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

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• 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

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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