A
Job Specification
1
Company Name
:
Muthoot Fincorp Limited
2
Position / Designation
:
Branch Credit Manager – Secured & Unsecured Lending Business
3
Grade
:
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 the Branches assigned
- Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio
- To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations.
- Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well.
- Own & resolve the early mortality, delinquencies and NPAs from current sourcing and existing portfolio.
- To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products.
- To liaison with Business, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning.
- 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 Retain existing live loan customers.
- 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 hardwork.
- 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 atleast 3 years Mortgages & Affordable Housing experience with exposure to L