ROLE SPECIFICATION

Role Title

Zonal Lead- Consumer Durable Loans

Employee Interviewed

Reports To

Business Head - Consumer Durable Loans

Company

Muthoot Fincorp Limited

Function/Department

Location

Pan India

Written By

HEAD- Compensation & Benefit

Approved By (Functional)

Approved By (People & Culture)

Date (Written On)

Aug 04, 2026

ROLE SUMMARY (PURPOSE)

As a Zonal Lead – Consumer Durable Loans at Muthoot Fincorp Limited, the incumbent will be responsible for leading, managing, and driving the growth of the Consumer Durable Loans business across the assigned zone. The role involves developing and executing business strategies to achieve sourcing, disbursement, profitability, and portfolio quality objectives through effective management of Area Leads, branch networks, and dealer partners. The incumbent will be responsible for expanding the dealer ecosystem, strengthening partner relationships, identifying market opportunities, and ensuring consistent business growth across the zone.

The role requires close collaboration with cross-functional teams to enhance operational efficiency, ensure compliance with organizational policies, and deliver a superior experience to dealers and customers while driving sustainable and profitable business growth.

ORGANIZATIONAL CHART

KEY RESPONSIBILITIES

Business Growth & Performance Management

- Drive business growth across the assigned zone through branches, dealers, distributors, and channel partners.
- Develop and execute zonal business strategies to achieve sourcing, disbursement, profitability, and market penetration targets.
- Monitor business performance across all areas and ensure timely interventions to address productivity gaps.
- Drive achievement of monthly, quarterly, and annual business objectives.

Dealer & Partner Network Management
- Oversee dealer empanelment, activation, engagement, and productivity across the zone.
- Ensure expansion of the dealer ecosystem through onboarding of new Consumer Durable (CD) dealers, and channel partners.
- Build and maintain solid relationships with key dealers, distributors, OEMs, and strategic business partners.
- Monitor partner performance and implement initiatives to improve dealer productivity and business contribution.

Area Leadership & Team Management
- Lead, mentor, and support Area Leads in achieving business, productivity, and portfolio quality objectives.
- Ensure effective training, capability building, and engagement of Area Leads and branch teams.
- Conduct periodic business reviews and performance discussions to drive accountability and results.
- Foster a high-performance culture focused on customer acquisition, business growth, and operational excellence.





Sales Funnel & Disbursement Management
- Monitor branch-wise and area-wise sourcing, login, sanction, and disbursement pipelines.
- Drive daily business reviews to ensure consistent sourcing and disbursement momentum across the zone.
- Identify bottlenecks in the sales funnel and coordinate with stakeholders for timely resolution.
- Ensure optimal conversion rates across the customer acquisition journey.

Performance Monitoring & Reporting
- Track and monitor key business metrics across the zone, including:
- Dealer Activation Percentage
- Daily and Monthly Disbursement Volumes
- Dealer Productivity
- Portfolio Quality and Delinquency Levels
- Area and Branch Productivity
- Funnel Conversion Ratios
- Analyze performance trends and recommend corrective actions to improve business outcomes.

Portfolio Quality & Risk Management
- Review portfolio health, collection performance, and risk indicators across the zone.
- Drive initiatives to maintain healthy portfolio quality and control delinquency levels.
- Collaborate with collections, credit, and risk teams to address emerging portfolio concerns.
- Ensure sustainable business growth while maintaining acceptable risk standards.

Stakeholder Management

- Collaborate with Business Heads, Credit, Operations, Risk, Marketing, Collections, and Branch Banking teams to achieve business objectives.
- Facilitate resolution of operational challenges and ensure seamless business execution.
- Strengthen relationships with internal and external stakeholders to enhance business effectiveness and partner satisfaction.

Governance, Compliance & Operational Excellence
- Ensure adherence to credit policies, regulatory requirements, audit standards, and operational guidelines across the zone.
- Monitor compliance with documentation, process, and control standards.
- Drive governance and risk awareness across Area Leads and branch teams.
- Ensure timely closure of audit observations and implementation of corrective actions.

Strategic Expansion & Business Development

- Support the Business Head in expanding Consumer Durable Loan business into new markets, products, dealer segments, and partnership opportunities.
- Identify emerging market trends and business opportunities to accelerate growth.
- Drive strategic initiatives to enhance market share, customer acquisition,



and partner engagement across the zone.
- People Management Skill
- Leadership and team management across multiple geographies.
- Coaching, mentoring, and developing Area Leads to enhance performance and productivity.
- Ability to build and lead high-performing teams focused on business growth and operational excellence.
- Performance management, including goal setting, monitoring, feedback, and corrective action planning.
- Strong stakeholder influencing and conflict resolution skills.
- Effective delegation and resource allocation to optimize team efficiency.
- Employee engagement and motivation to drive accountability and ownership.
- Change management and the ability to lead teams through business transformations and growth initiatives.
- Strong communication and interpersonal skills to foster collaboration across functions and levels.
- Talent identification, succession planning, and capability-building to strengthen organizational effectiveness.

KEY INTERACTIONS

Internal Stakeholders

External Stakeholders

- BDO, CSE, BM/Asst. BM: For lead conversion
- Internal Team: Regional Managers Area Managers, Branch Manager for operational matters, guidance, and support.
- Support functions: Finance, Marketing IT etc. for payments, marketing and digital support

Vendors / Customers

KEY ROLE DIMENSIONS

Geographical Coverage

Responsible for overseeing multiple areas within the assigned zone through Area Leads.

Ensure achievement of zonal sourcing, disbursement, dealer expansion, portfolio quality, and profitability targets.

Drive business growth, productivity, governance, and stakeholder management across the entire zone.

KEY SKILLS & BEHAVIOURAL ATTRIBUTES

Key Skills & Competencies

- Zonal Business Management
- Leadership & Team Development
- Dealer Network Expansion and Management
- Sales & Disbursement Management
- Portfolio Quality Monitoring
- Strategic Planning & Execution
- Stakeholder Management
- Performance Analytics & MIS
- Risk & Compliance Management
- Relationship Building and Influencing Skills
- Strong Field Management Capability

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

Minimum Qualification ; Bachelor's Degree in any discipline

Nature of Experience- Minimum 6 years of experience in Retail Assets, Consumer Finance, Vehicle Finance, Dealer Finance, or related lending businesses

Preferred Industry Exposure-Consumer Durable Loans, Retail Lending, NBFCs, Banks, Fintechs, Dealer-driven financing businesses

📌 Zonal Lead - CD (Mysuru)
🏢 Muthoot Fincorp
📍 Mysuru