Role Profile

ROLE SPECIFICATION

Role Title

National Manager - LAP & HL Disbursement

Employee Interviewed

Reports To

Business Head

Company

MFL

Function/Department

Business and Personal Finance Division

Location

Chennai

Written By

Approved By (Functional)

Approved By (People & Culture)

Date (Written On)

ROLE SUMMARY (PURPOSE)

Responsible for end-to-end disbursement process for Home Loan (HL) and Loan Against Property (LAP). The role ensures TAT adherence, process compliance, risk mitigation, and smooth coordination with Sales, Credit, Legal, Valuations, and Branch teams to enable timely disbursals.

ORGANIZATIONAL CHART

KEY RESPONSIBILITIES

Disbursement & Operations

- Oversee HL & LAP disbursement process from login to payout Ensure documents are vetted as per credit policy, legal, and technical requirements.
- Coordinate with Sales, credit, legal, valuation, and FI teams to remove bottlenecks Achieve monthly/quarterly disbursement targets with defined TATs

TAT & Efficiency

- Monitor and improve disbursement TAT at branch and centralized level
- Track daily/weekly pipeline and provide MIS to leadership

Team Management

- Lead and mentor disbursement team across zones/branches Train teams on policy updates, system usage, and process changes Conduct regular reviews, audits, and feedback sessions

Stakeholder Management





- Work closely with HODs of all the Dept(Sales/credit/legal/RCU/Techincal) ZH, Sales Head, Credit Head, Zonal/Branch Managers for pipeline management Coordinate with Legal, Valuation, Technical agencies for faster turnarounds Handle escalations from branches/customers and resolve with root cause analysis

KEY DECISIONS TAKEN

NA

KEY INTERACTIONS

Internal Stakeholders

External Stakeholders

Sales, Credit, Legal, Technical, IT, RCU and Audit

DSA, Connector

KEY ROLE DIMENSIONS

Geographical coverage – PAN INDIA

Business volume -660cr annual

KEY SKILLS & BEHAVIOURAL ATTRIBUTES

Deep expertise in HL & LAP products, Robust credit underwriting and risk judgment for secured retail assets.

End-to-end ops knowledge: documentation, legal, technical, CERSAI, disbursement P&L; ownership and ability to balance growth vs risk vs compliance Large team leadership across geographies + strong stakeholder management

Behavioral Attributes- Driven and in alignment with our Purpose “Transforming the life of the common man by improving their financial well-being” and anchored by our core value of integrity, collaboration, and excellence.

EDUCATION / EXPERIENCE

Graduate. MBA/PGDM in Finance/Marketing preferred

14-20 years in Banks/NBFCs/HFCs with exposure to Sales + Credit + Ops Proven track record of scaling HL/LAP business with healthy portfolio

📌 Naitonal Manager - Lap & Hl Disbursement (Chennai)
🏢 Muthoot Fincorp
📍 Chennai