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 recent 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 Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza.
- Strong understanding of appraising proposals from 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.

9

Special Requirements (If any)

:

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

10

Job Location / State

:

Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh,

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

:

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

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)

:

-

📌 Branch Credit Manager (Coimbatore)
🏢 Muthoot Fincorp
📍 Coimbatore