Branch Business Manager - LAP

Company Name :Muthoot Fincorp Limited

Position / Designation :Branch Business Manager Secured & Unsecured Lending Business

Grade : 4

Employment Type :All Employment Type

Designation & Grade :State Business Manager Secured & Unsecured Lending Business

Designation & Grade :5 RMs / BSMs; 1 Collections Officer

Main Tasks & Areas of Responsibility:

• Lead & Motivate team of RO/RM/BSMs to build to Overachieve Monthly / Quarterly / Half Yearly / Annual Business Budget
• Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna)
• To liaison with Credit, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning
• To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.
• To Be the Face of SULB Muthoot Fincorp for that Location for all practical purposes.
• 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.
• To Watch closely the Competition activities and report the same to the Zonal and National teams.
• To Work closely with Muthoot Fincorp branches for smoother disbursement of Gold backed Secured Loans and their safekeep.
• To Attract & Retain High Performers in the Team.
• To Retain existing live loan customers.
• To effectively liaison with law authorities for resolving conflicts if any.

Skills and Exposure :

• A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork.
• Proven ability to Recruit and Retain high performing RO/RM/BSMs.
• Atleast 5 years experience in  leading a team of Sales Exectives, Team Leaders, with atleast 2 years of Onroll team members.
• Having good working knowledge on Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure.
•  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):  Direct team managing experience mandatory

Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.

Job Location / State :Andhra Pradesh

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

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

Skill Sets :Experience in Home Loans / Mortgages, with team handling skill sets.

Communication Skills :Good oral, written and presentation skills

Experience :5+ years of overall experience 

Behavioral Competencies :Uncompromising ethical standards and discipline expected