Job Description

A
Job Specification
1
Company Name
:
Muthoot Fincorp Limited
2
Position / Designation
:
HEAD COLLECTION - SULB
3
Grade
:
SENIOR VICE PRESIDENT4
Employment Type
:
All Employment Type
5
Reporting to –
Designation & Grade
:
Cheif Business Officer – Secured & Unsecured Lending Business
6
No. of Reportees,
Designation & Grade
:

7

Main Tasks & Areas of Responsibility
:
- Formulation of Underwriting Policies, Process & Programs, infrastructure, development, and deployment of underwriting models benchmarked to Competition with an edge.
- Management & Maintenance of the quality of the Credit Portfolio from Origination to Collections
- End to End Accountability at the Pre-sanction phase of the loan, and part of the loan life cycle post disbursement in case of delinquency.
- Prepare Risk & Credit Decks on Monthly basis.
- Highly Specialized role – By nature of Interactions with Key Stakeholders by striking a balance between Quality & Growth of the Portfolio.




- Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.
- To be a Business Enabler.
- Aim to optimize Credit Risk management to facilitate the business expansion plans.
- Liaison with Product Head to contribute to the design of current products and advise on roll out of other products
- To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency
- Conduct detailed analysis of delinquencies and recommend changes to the product teams
- Ensure the successful adoption of internal compliances, regulatory framework across the business.
- Coordinate with internal audit and regulatory audit regarding their various requirements.
- Collaborate with Collections to drive down the net credit loss & delinquency metrics.
- Review and approve credit proposals given.
- Responsible for ensuring sound understanding of credit policy across all relevant levels.
- Product knowledge at mar

📌 Head Collection (Chennai)
🏢 Muthoot Fincorp
📍 Chennai