A
Job Specification
1
Company Name
:
Muthoot Fincorp Limited
2
Position / Designation
:
Cluster Credit Manager – Secured & Unsecured Lending Business
3
Grade
:
D2
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 PAMAC which is Standardized/ central processing centre 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 prospects 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.
8
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 un