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, Solid credit underwriting and risk

📌 National Manager (Chennai)
🏢 Muthoot Fincorp
📍 Chennai