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 transparent 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