13850 Auditing Jobs - Page 12

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Role Profile Role Title: Branch Business Manager-HL ROLE SPECIFICATION Role Title Branch Business Manager-HL Reports To Cluster Business Manager Company Muthoot FinCorp Limited Function/Department Secured & Unsecured Lending Business Approved By (Jobholder) Approved By (Immediate Superior) ROLE SUMMARY The primary responsibility of the role is to source business from the open market through a team of people (FOS) to achieve business targets as per the organizational goal. He will be responsible for maintaining quality portfolios across all the processing centers. ORGANIZATIONAL CHART KEY RESPONSIBILITIES Business Growth Achieve business targets by driving sales of Home loan products through Sales Team. Support the team in finding new micro markets and empanel good quality referral partners to scale up Micro Home loan business. Team Management Lead, motivate, and manage a team of Home loan-Relationship officers to ensure they meet their targets Marketing and Promotion Collaborate with the marketing team to develop and execute local marketing initiatives. Compliance Ensure compliance with regulatory requirements and implement effective risk management strategies. KEY CHALLENGES Technology KEY DECISIONS TAKEN NIL KEY INTERACTIONS Internal Stakeholders External Stakeholders Credit Legal Technical Audit Operations Customers DSA External Legal team TEAL MAATRUM (legal & technical) KEY ROLE DIMENSIONS Geographical Coverage- No of Direct Reportees- Total Team Size - Portfolio - 1 Branch 5-7 5-7 5-10 Cr KEY SKILLS & BEHAVIOURAL ATTRIBUTES Good understanding of the Branch business, & local geographical market. Market principles, practices and current business trends. Knowledge of business mortgage loans, products, processes, and regulations Knowledge upgrading on latest regulatory norms. Knowledge in data analysis. Good communication, including local language and interpersonal skills. Good in collaboration with internal & external partners. Leadership Skills. Attract and retain good talent training & mentoring on a regular basis. EDUCATION / EXPERIENCE Minimum Qualification: Any Graduate Nature of Experience: 5+ Years Experience in similar industry.

This role is responsible for driving business growth, managing sales teams, and ensuring timely collections in their assigned region KEY RESPONSIBILITIES Business growth and development Generate high-quality business, analyze market dynamics, and identify opportunities for growth Team Management Lead, motivate, and manage a team of Cluster Heads ,BBM & FOS to ensure they meet their targets Branch Administration Oversee branch administration and infrastructure Sales development Develop and execute sales strategies, build relationships with builders, developers, and local authorities, and facilitate smooth sales closure Compliance Ensure compliance with regulatory requirements and implement effective risk management strategies Stakeholder Engagement Collaborate with Technical, Legal, Audit, Finance, IT and Operations KEY CHALLENGES Technology KEY DECISIONS TAKEN With respect to ROI, CBM can approve 0 5% deviation KEY INTERACTIONS Internal Stakeholders External Stakeholders Credit Legal Technical Audit Operations Customers DSA External Legal team TEAL MAATRUM (legal & technical) KEY ROLE DIMENSIONS Geographical Coverage- No of Direct Reportees- Total Team Size - Portfolio - Cluster (entire south & north- TN) 27-30 200 -250 350-400 Cr KEY SKILLS & BEHAVIOURAL ATTRIBUTES Strong understanding of the Branch business, & local Geographical Market Market principles, practices and current business trends Knowledge of business mortgage loans, products, processes, and regulations Ability to manage multiple priorities and be able to handle deadlines Knowledge upgrading on latest regulatory norms Knowledge in financial analysis & knowledge in data analysis Good communication and interpersonal skills Good in collaboration with internal & external partners Leadership Skills Attract and retain good talent for key roles through training & mentoring EDUCATION / EXPERIENCE Minimum Qualification: Any Graduate / postgraduate Nature of Experience: 10+ Years Experience in similar industry

JD Area Manager Roles & Responsibility AM will be responsible for the overall branch performance and profitability of branches assigned. A. BUSINESS DEVELOPMENT - RESPONSIBLITY FOR BUSINESS PERFORMANCE AND PROFITABILITY AGAINST STATED TARGETS Driving business: Drive branches to achieve Business targets (existing and new products), Profitability and AUM targets m-o-m & FY; ensuring conversion of all Non BEP branches to BEP branches. Monitor and Control: (i) Daily monitoring of critical parameters of Branch Score Card; (ii) Qualitative branch visits to drive, implement and facilitate business development strategies (minimum 2 visits/branch in a month) Market study: Identify and assess market needs, market potential and competitor activities and develop product composition strategy to satisfy the needs of the common man; Identification of potential new branch locations Lead generation: Plan and drive marketing campaigns or activities for branches to generate leads; ensure updation in Lead management module (both activity and call center lead) and effective follow up and conversion Accountability: Responsible for business disbursal/transaction numbers/values and AUM targets; Responsibility for cross selling targets based on product composition decided by branches B. OPERATIONS - DISCIPLINE, EFFICIENCY AND EFFECTIVENESS- (Monitoring and ensuring Operational efficiency and Asset quality in branches by educating employees to adhere to systems & procedures) Process adherence and Regulatory compliance: Guide and ensure proper conduct of matters relating to credit assessment, KYC adherence/data enrichment, auction, expense management, cash transit, voucher entries, updation in BRS, Key management, bank account opening, daily data backup, maintenance of records / documents / registers, closure of gold inspection/audit remarks and customer grievance, within the agreed TAT. Collection Management: Ensure timely interest collection by branches and recovery of over dues as per targets, guiding branches to minimize NPA status of accounts as well as auction Asset Quality and Fraud Management: Guide branches to ensure quality of the assets / collaterals / ornaments pledged; take remedial actions for loss due to spurious / low purity / theft ornaments & initiate efforts for recovery, follow up of court cases and prompt action against culprits C. HUMAN RESOURCE MORALE, MOTIVATION OF EMPLOYEES Recruitment: Conduct of entire recruitment activities within prescribed TAT; BM Talent Acquisition and retention; 100% adherence to new employee documentation along with collection of SD (Security deposit) wherever applicable, timely initiation of BVC (Background verification) and PVC (Police verification) and ensuring opening of bank accounts of all new employees on or before 27th of joining month and sharing details with Corporate HR and RHR as required. Training and development: Identify training requirements and accordingly facilitate training in product, process and procedures for branch staff; Mentor branch staff to attract new customers, retain existing, win back lost customers, and cross sell to achieve product composition targets Maintaining talent pool: Execution of proactive measures to minimize staff attrition devised by RM-HR in consultation with Corporate HR; proper assessment of manpower and deployment of surplus staff; support PMS activities during appraisal cycle. Staff life cycle activities: Completion of HR operational activities like on-boarding, training, attendance/regularization, leave, confirmation, transfer, deputation, internal job posting, payroll, exit, timely completion of HRMS activities, availing statutory benefits, F&F etc. Statutory requirements: To monitor all statutory norms are adhered to, ensure neat display of required notices and maintenance of statutory registers at branches; timely closure of matters relating to Show cause or legal notices, Shop & Establishment Registration and renewals, Contract renewals and extensions etc. Employee connect: Coordinate/conduct Employee engagement activities; monitor employee communication w.r.t. to new initiatives, HR policies etc.; attend to and resolve employee grievance at the initial stage itself. D. ADMINISTRATION UPKEEP AND MAINTENANCE OF INFRASTRUCTURE Merchandising of branch: Ensure proper visibility of branches within locality through branding as per Corporate guidelines. Asset maintenance and record keeping: Upkeep and maintenance of assigned branches, guest house if any - Ensure availability, timely maintenance and renewal of furniture, critical assets (webcam, scanner, printer, CCTV, Data connectivity items etc.) and stationary; ensure branches maintain records of the same. Attend to and close all Infra-related issues of branches including rentals and matters relating to contract renewals, Shops & establishment Act, weighing machines & other statutory requirements, as per defined TAT. Expense control: Timely approval of expenses, devise and implement effective cost-control measures. Vendor management: Identify new vendors and manage existing ones to cater to all administrative and infrastructure needs of branches. Branch administration: Safety and security, Housekeeping, Hygiene and office management. Implementation of Admin processes and procedures in the branches. Timely escalation of Infra & Admin issues to line RM/ Zonal RM. Ensuring MRs are raised by branches properly and same is approved timely. To follow up with the BM on raising all requirements as well as reporting through toll free number for all IT and Non-IT breakdowns. Ensuring that branches take GRN in time. Preparation/maintenance of updated tracker of all IT and non-IT assets (keeping track of changes) and sharing the same when required. (AMs are expected to provide constructive inputs in devising or modifying products, processes and policies to hierarchy.)

Roles & Responsibility AM will be responsible for the overall branch performance and profitability of branches assigned. A. BUSINESS DEVELOPMENT - RESPONSIBLITY FOR BUSINESS PERFORMANCE AND PROFITABILITY AGAINST STATED TARGETS Driving business: Drive branches to achieve Business targets (existing and new products), Profitability and AUM targets m-o-m & FY; ensuring conversion of all Non BEP branches to BEP branches. Monitor and Control: (i) Daily monitoring of critical parameters of Branch Score Card; (ii) Qualitative branch visits to drive, implement and facilitate business development strategies (minimum 2 visits/branch in a month) Market study: Identify and assess market needs, market potential and competitor activities and develop product composition strategy to satisfy the needs of the common man; Identification of potential new branch locations Lead generation: Plan and drive marketing campaigns or activities for branches to generate leads; ensure updation in Lead management module (both activity and call center lead) and effective follow up and conversion Accountability: Responsible for business disbursal/transaction numbers/values and AUM targets; Responsibility for cross selling targets based on product composition decided by branches B. OPERATIONS - DISCIPLINE, EFFICIENCY AND EFFECTIVENESS- (Monitoring and ensuring Operational efficiency and Asset quality in branches by educating employees to adhere to systems & procedures) Process adherence and Regulatory compliance: Guide and ensure proper conduct of matters relating to credit assessment, KYC adherence/data enrichment, auction, expense management, cash transit, voucher entries, updation in BRS, Key management, bank account opening, daily data backup, maintenance of records / documents / registers, closure of gold inspection/audit remarks and customer grievance, within the agreed TAT. Collection Management: Ensure timely interest collection by branches and recovery of over dues as per targets, guiding branches to minimize NPA status of accounts as well as auction Asset Quality and Fraud Management: Guide branches to ensure quality of the assets / collaterals / ornaments pledged; take remedial actions for loss due to spurious / low purity / theft ornaments & initiate efforts for recovery, follow up of court cases and prompt action against culprits C. HUMAN RESOURCE MORALE, MOTIVATION OF EMPLOYEES Recruitment: Conduct of entire recruitment activities within prescribed TAT; BM Talent Acquisition and retention; 100% adherence to new employee documentation along with collection of SD (Security deposit) wherever applicable, timely initiation of BVC (Background verification) and PVC (Police verification) and ensuring opening of bank accounts of all new employees on or before 27th of joining month and sharing details with Corporate HR and RHR as required. Training and development: Identify training requirements and accordingly facilitate training in product, process and procedures for branch staff; Mentor branch staff to attract new customers, retain existing, win back lost customers, and cross sell to achieve product composition targets Maintaining talent pool: Execution of proactive measures to minimize staff attrition devised by RM-HR in consultation with Corporate HR; proper assessment of manpower and deployment of surplus staff; support PMS activities during appraisal cycle. Staff life cycle activities: Completion of HR operational activities like on-boarding, training, attendance/regularization, leave, confirmation, transfer, deputation, internal job posting, payroll, exit, timely completion of HRMS activities, availing statutory benefits, F&F etc. Statutory requirements: To monitor all statutory norms are adhered to, ensure neat display of required notices and maintenance of statutory registers at branches; timely closure of matters relating to Show cause or legal notices, Shop & Establishment Registration and renewals, Contract renewals and extensions etc. Employee connect: Coordinate/conduct Employee engagement activities; monitor employee communication w.r.t. to new initiatives, HR policies etc.; attend to and resolve employee grievance at the initial stage itself. D. ADMINISTRATION UPKEEP AND MAINTENANCE OF INFRASTRUCTURE Merchandising of branch: Ensure proper visibility of branches within locality through branding as per Corporate guidelines. Asset maintenance and record keeping: Upkeep and maintenance of assigned branches, guest house if any - Ensure availability, timely maintenance and renewal of furniture, critical assets (webcam, scanner, printer, CCTV, Data connectivity items etc.) and stationary; ensure branches maintain records of the same. Attend to and close all Infra-related issues of branches including rentals and matters relating to contract renewals, Shops & establishment Act, weighing machines & other statutory requirements, as per defined TAT. Expense control: Timely approval of expenses, devise and implement effective cost-control measures. Vendor management: Identify new vendors and manage existing ones to cater to all administrative and infrastructure needs of branches. Branch administration: Safety and security, Housekeeping, Hygiene and office management. Implementation of Admin processes and procedures in the branches. Timely escalation of Infra & Admin issues to line RM/ Zonal RM. Ensuring MRs are raised by branches properly and same is approved timely. To follow up with the BM on raising all requirements as well as reporting through toll free number for all IT and Non-IT breakdowns. Ensuring that branches take GRN in time. Preparation/maintenance of updated tracker of all IT and non-IT assets (keeping track of changes) and sharing the same when required. (AMs are expected to provide constructive inputs in devising or modifying products, processes and policies to hierarchy.)

Collection managers oversee the financial collection department of a company and are responsible for the correct invoicing of clients and the timely receiving of payment. ORGANIZATIONAL CHART KEY RESPONSIBILITIES Role and Responsibility Overseeing staff members and ensuring the accurate and timely invoicing of customers. Setting payment collection goals and targets for the department. Creating and implementing a strategy to improve the collection of outstanding credit. Implementing collection policies and procedures to avoid excessive outstanding credit. Ensuring that the company policy on recoveries is followed and that it is in line with state and federal regulations. Implementing deadlines for invoicing and payment collection. Negotiating with customers in cases when non-payment occurs. Preparing monthly feedback reports on payment collections. Remaining informed of any legislative procedural training regarding debt collection. Training and mentoring of staff members in the collections department. KEY INTERACTIONS Internal Stakeholders External Stakeholders Business Legal Operation Risk Field Technical Team Audit Risk, Compliance Customers Insurance Providers Regulatory Authorities Referral Sources KEY CHALLENGES Lack of current contact information. Disjoint communications. Lack of self-served solutions. Meeting compliance requirements. Lack of automation. Providing secure communications KEY SKILLS & BEHAVIOURAL ATTRIBUTES Experience with accounting software such as Quickbooks and General Ledger and advanced knowledge of MS Excel. The ability to work accurately and independently. Good verbal and written communication skills. Excellent analytical skills and an eye for detail. Outstanding leadership and managerial skills. Strong time and people management skills. Ability to work to strict deadlines. EDUCATION / EXPERIENCE Bachelor s degree in finance, accounting, or a related field. 7-9 years experience as a collections manager.

Main Tasks (1) Physical verification of Gold Packets, Cash including Vault Cash and Foreign Currency as to its correctness with the system records. (2) Checking of ornaments as to its quantity, weight, quality and purity taken for pledge during the current gold inspection period. (3) Checking of greater than 5 months gold packets as to its quantity, weight, quality and purity for which gold inspections were done earlier. (4) Verification of Gold Loan pledge/release documents and reporting of anomalies if any observed. (5) Verifying whether the ornaments pledged under all schemes are solid ornaments and LP/SP ornaments are not accepted for pledge under any schemes. (6) Verification and reporting of any overdue gold loans, Low Purity and Spurious accounts are re-pledged or re-pledged under higher rate. (7) Verification of Documents and ornaments/coins for Swarnavarsham/Shwethavarsham Loans disbursed. (8) Verification of all Gold Loan related products/Packets, MSME Packets, Mahilamitra Loan Packets and Chitty Security Packets etc. (9) Conducting Handing over/Taking over of branch as and when required by the Management and sending reports of the same to BAI Dept. (10) Purity Index updation in the system (11) Verification and sealing of auction related packets. (12) Participating in the Gold Auction conducted in various branches as per the instruction from the Department Head (13) Conducting Special Inspection in Selected branches along with Internal Auditors as per instruction from HO Audit. (14) Verification of Bulk Pledge Packets, Balance Transfer Pledges, Doubtful Pledges as per the instruction from HOD. (15) Conducting Gurukul Training and Appraisal training to be given to Branch staff during Gold Inspection. (16) Other Key activities instructed by the Management on Demand. Areas Of Responsibility (1) Timely Reporting of discrepancies observed from the new & old packets Verification. (2) Reporting of observations/anomalies which are not rectified by the branch from the earlier inspections. (3) Immediate reporting of spurious ornaments found during the current Gold Inspection. (4) Verifying the each and every release of Gold Ornaments made during the period of inspection as the GI act as Joint Custodian during the period of audit. (5) Sending various reports as required by the BAI Dept. (6) Observing and reporting confidentially any malpractices made by the branch staff. (7) Reporting of acceptance for pledge certain type of ornaments like Cumbum chain, Karimani chain etc instructed not to be accepted for pledge by Management. (8) Verification of Gold Ornaments pledged by Pawn Brokers and give instruction to Branches to strictly avoid it & verification of Gold Packets relating to registered letters returned. Special Requirements - Compensation Band Based on Market Standards/Internal norms Entitlements As per policy Stake Holders MFL Staff, Group Company Staff Assets Required As per policy Career Progression As per policy Educational Qualification Minimum Graduation with 2-3 yrs of Gold Appraisal experience Preferred. Willing to Travel. Technical Qualification Basic Computer Knowledge, esp.MS Office applications mandatory Skills - Communication Skill Conversant in local language & English (proficiency in read, write and speak required)

Role Profile Role Title: Branch Business Manager-HL ROLE SPECIFICATION Role Title Branch Business Manager-HL Reports To Cluster Business Manager Company Muthoot FinCorp Limited Function/Department Secured & Unsecured Lending Business Approved By (Jobholder) Approved By (Immediate Superior) ROLE SUMMARY The primary responsibility of the role is to source business from the open market through a team of people (FOS) to achieve business targets as per the organizational goal. He will be responsible for maintaining quality portfolios across all the processing centers. ORGANIZATIONAL CHART KEY RESPONSIBILITIES Business Growth Achieve business targets by driving sales of Home loan products through Sales Team. Support the team in finding new micro markets and empanel good quality referral partners to scale up Micro Home loan business. Team Management Lead, motivate, and manage a team of Home loan-Relationship officers to ensure they meet their targets Marketing and Promotion Collaborate with the marketing team to develop and execute local marketing initiatives. Compliance Ensure compliance with regulatory requirements and implement effective risk management strategies. KEY CHALLENGES Technology KEY DECISIONS TAKEN NIL KEY INTERACTIONS Internal Stakeholders External Stakeholders Credit Legal Technical Audit Operations Customers DSA External Legal team TEAL MAATRUM (legal & technical) KEY ROLE DIMENSIONS Geographical Coverage- No of Direct Reportees- Total Team Size - Portfolio - 1 Branch 5-7 5-7 5-10 Cr KEY SKILLS & BEHAVIOURAL ATTRIBUTES Good understanding of the Branch business, & local geographical market. Market principles, practices and current business trends. Knowledge of business mortgage loans, products, processes, and regulations Knowledge upgrading on latest regulatory norms. Knowledge in data analysis. Good communication, including local language and interpersonal skills. Good in collaboration with internal & external partners. Leadership Skills. Attract and retain good talent training & mentoring on a regular basis. EDUCATION / EXPERIENCE Minimum Qualification: Any Graduate Nature of Experience: 5+ Years Experience in similar industry.

Main Tasks (1) Physical verification of Gold Packets, Cash including Vault Cash and Foreign Currency as to its correctness with the system records. (2) Checking of ornaments as to its quantity, weight, quality and purity taken for pledge during the current gold inspection period. (3) Checking of greater than 5 months gold packets as to its quantity, weight, quality and purity for which gold inspections were done earlier. (4) Verification of Gold Loan pledge/release documents and reporting of anomalies if any observed. (5) Verifying whether the ornaments pledged under all schemes are solid ornaments and LP/SP ornaments are not accepted for pledge under any schemes. (6) Verification and reporting of any overdue gold loans, Low Purity and Spurious accounts are re-pledged or re-pledged under higher rate. (7) Verification of Documents and ornaments/coins for Swarnavarsham/Shwethavarsham Loans disbursed. (8) Verification of all Gold Loan related products/Packets, MSME Packets, Mahilamitra Loan Packets and Chitty Security Packets etc. (9) Conducting Handing over/Taking over of branch as and when required by the Management and sending reports of the same to BAI Dept. (10) Purity Index updation in the system (11) Verification and sealing of auction related packets. (12) Participating in the Gold Auction conducted in various branches as per the instruction from the Department Head (13) Conducting Special Inspection in Selected branches along with Internal Auditors as per instruction from HO Audit. (14) Verification of Bulk Pledge Packets, Balance Transfer Pledges, Doubtful Pledges as per the instruction from HOD. (15) Conducting Gurukul Training and Appraisal training to be given to Branch staff during Gold Inspection. (16) Other Key activities instructed by the Management on Demand. Areas Of Responsibility (1) Timely Reporting of discrepancies observed from the new & old packets Verification. (2) Reporting of observations/anomalies which are not rectified by the branch from the earlier inspections. (3) Immediate reporting of spurious ornaments found during the current Gold Inspection. (4) Verifying the each and every release of Gold Ornaments made during the period of inspection as the GI act as Joint Custodian during the period of audit. (5) Sending various reports as required by the BAI Dept. (6) Observing and reporting confidentially any malpractices made by the branch staff. (7) Reporting of acceptance for pledge certain type of ornaments like Cumbum chain, Karimani chain etc instructed not to be accepted for pledge by Management. (8) Verification of Gold Ornaments pledged by Pawn Brokers and give instruction to Branches to strictly avoid it & verification of Gold Packets relating to registered letters returned. Special Requirements - Compensation Band Based on Market Standards/Internal norms Entitlements As per policy Stake Holders MFL Staff, Group Company Staff Assets Required As per policy Career Progression As per policy Educational Qualification Minimum Graduation with 2-3 yrs of Gold Appraisal experience Preferred. Willing to Travel. Technical Qualification Basic Computer Knowledge, esp.MS Office applications mandatory Skills - Communication Skill Conversant in local language & English (proficiency in read, write and speak required)

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Area Collection Managers oversee the financial collection department of a company and are responsible for the Branch Portfolio and the timely receiving of payment. ORGANIZATIONAL CHART KEY RESPONSIBILITIES Role and Responsibility Overseeing staff members and ensuring the accurate and timely invoicing of customers. Setting payment collection goals and targets for the department. Creating and implementing a strategy to improve the collection of outstanding credit. Implementing collection policies and procedures to avoid excessive outstanding credit. Ensuring that the company policy on recoveries is followed and that it is in line with state and federal regulations. Implementing deadlines for invoicing and payment collection. Negotiating with customers in cases when non-payment occurs. Preparing monthly feedback reports on payment collections. Remaining informed of any legislative procedural training regarding debt collection. Training and mentoring of staff members in the collections department. KEY INTERACTIONS Internal Stakeholders External Stakeholders Business Legal Operation Risk Field Technical Team Audit Risk, Compliance Customers Insurance Providers Regulatory Authorities Referral Sources KEY CHALLENGES Lack of current contact information. Disjoint communications. Lack of self-served solutions. Meeting compliance requirements. Lack of automation. Providing secure communications KEY SKILLS & BEHAVIOURAL ATTRIBUTES Experience with accounting software such as Quickbooks and General Ledger and advanced knowledge of MS Excel. The ability to work accurately and independently. Good verbal and written communication skills. Excellent analytical skills and an eye for detail. Outstanding leadership and managerial skills. Strong time and people management skills. Ability to work to strict deadlines. EDUCATION / EXPERIENCE Bachelor s degree in finance, accounting, or a related field. 3 - 5 years experience as a collections manager.

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Main Tasks (1) Physical verification of Gold Packets, Cash including Vault Cash and Foreign Currency as to its correctness with the system records. (2) Checking of ornaments as to its quantity, weight, quality and purity taken for pledge during the current gold inspection period. (3) Checking of greater than 5 months gold packets as to its quantity, weight, quality and purity for which gold inspections were done earlier. (4) Verification of Gold Loan pledge/release documents and reporting of anomalies if any observed. (5) Verifying whether the ornaments pledged under all schemes are solid ornaments and LP/SP ornaments are not accepted for pledge under any schemes. (6) Verification and reporting of any overdue gold loans, Low Purity and Spurious accounts are re-pledged or re-pledged under higher rate. (7) Verification of Documents and ornaments/coins for Swarnavarsham/Shwethavarsham Loans disbursed. (8) Verification of all Gold Loan related products/Packets, MSME Packets, Mahilamitra Loan Packets and Chitty Security Packets etc. (9) Conducting Handing over/Taking over of branch as and when required by the Management and sending reports of the same to BAI Dept. (10) Purity Index updation in the system (11) Verification and sealing of auction related packets. (12) Participating in the Gold Auction conducted in various branches as per the instruction from the Department Head (13) Conducting Special Inspection in Selected branches along with Internal Auditors as per instruction from HO Audit. (14) Verification of Bulk Pledge Packets, Balance Transfer Pledges, Doubtful Pledges as per the instruction from HOD. (15) Conducting Gurukul Training and Appraisal training to be given to Branch staff during Gold Inspection. (16) Other Key activities instructed by the Management on Demand. Areas Of Responsibility (1) Timely Reporting of discrepancies observed from the new & old packets Verification. (2) Reporting of observations/anomalies which are not rectified by the branch from the earlier inspections. (3) Immediate reporting of spurious ornaments found during the current Gold Inspection. (4) Verifying the each and every release of Gold Ornaments made during the period of inspection as the GI act as Joint Custodian during the period of audit. (5) Sending various reports as required by the BAI Dept. (6) Observing and reporting confidentially any malpractices made by the branch staff. (7) Reporting of acceptance for pledge certain type of ornaments like Cumbum chain, Karimani chain etc instructed not to be accepted for pledge by Management. (8) Verification of Gold Ornaments pledged by Pawn Brokers and give instruction to Branches to strictly avoid it & verification of Gold Packets relating to registered letters returned. Special Requirements - Compensation Band Based on Market Standards/Internal norms Entitlements As per policy Stake Holders MFL Staff, Group Company Staff Assets Required As per policy Career Progression As per policy Educational Qualification Minimum Graduation with 2-3 yrs of Gold Appraisal experience Preferred. Willing to Travel. Technical Qualification Basic Computer Knowledge, esp.MS Office applications mandatory Skills - Communication Skill Conversant in local language & English (proficiency in read, write and speak required)

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English

Key Job Responsibilities Customer Championship Maintain regular & continuous relationship with existing and potential customers. Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products. Initiate, implement/coordinate and participate in marketing for achieving the above. Achieve customer delight through e cient customer service. Retain existing customers and acquire new continuously. Product Process Championship Achieve branch targets and ensure pro tability of the unit (branch). Will involve in Field Visits for Marketing / Collection activities basis to branch requirements Collaborate with various departments to ensure smooth functioning of the branch. Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation & Prevention of Risk (material & people) by early and timely detection of fraud(s) and up-hold the vision & values of the Organization and goodwill of customers. Recovery of receivables: To ensure organization s revenue ow and protect customer s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. E cient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law. Role will come under the purview of Audit & Gold Inspection. Should focus on branch profitability & ensure that assigned branch is profitable People Championship Ensure proper handholding and timely/continues training of the team. Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team. Knowledge, Skills & Attributes Result Orientation Customer Service & Retention Focus Planning & Forecasting Skills Relationship Building Coaching & Mentoring Market Intelligence Business Development Communication Skills Proficiency in local language and English