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Muthoot FinCorp (MFL)
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Branch Credit Manager - Branch Channel - KAR - SULB

Branch Credit Manager - Branch Channel - KAR - SULB

Muthoot FinCorp (MFL)

5 - 10 years

5 - 9 Lacs

Bengaluru

Posted:5 days ago| Platform:

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Skills Required

Training Loans Ticketing Credit operations Underwriting Gold loan Customer experience Management Vendor

Work Mode

Work from Office

Job Type

Full Time

Job Description

Position / Designation

Credit Manager Branch Channel. Secured & Unsecured Lending Business

Grade

Employment Type

All Employment Type

Reporting to

Designation & Grade

State Credit Manager Secured & Unsecured Lending Business

No. of Reportees,

Designation & Grade

Credit Operations

Main Tasks & Areas of Responsibility

End to End Managing of Credit Shop at PAMAC which is Standardized/ central processing center for All Branches Across India.
Primarily leading a set of outsourced credit process staff working out our Vendor PAMAC in Chennai , leading them to process credit proposals send by Branches thru Finn One system.
Proactively respond to the business requirements & challenges and support Branch Team to acquire Quality Portfolio
To ensure FIRST TIME RIGHT of approvals , and Disbursement dockets submitted to Central Operations.
Review Branch level/Area level delinquency against policy parameters , delinquencies and NPAs .
Analytically capable to set up proper credit parameters in system and lead the credit process into more digitally driven Eco system.
To liaison with Gold Loan Branches and Area Managers login quality , training and process initiative implementation.
To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer.
Continuously work on process improvements with PAMAC and Branches .
To effectively liaison with law authorities for resolving conflicts if any.
To Build a Quality and Profitable Loan Portfolio.

Skills and Exposure

A result oriented individual with Positive Mental Attitude with Integrity, willing to put hard work.
Proven ability to Work under Pressure with regard to TAT
Adherence to laid down credit policies and suggest improvements if any.
Atleast 5 years experience in underwriting role, with at least 3 years unsecured Lending experience in small mid ticket loans. Experience in Origination software like Finn one, risk tools like Perfios, Hunter, Karza is desirable.
Strong understanding of appraising proposals from Lower & Middle Income MSME Customer Segments

Excellent interpersonal and verbal communication skills

Ability to Work & Deliver business targets under pressure

Working knowledge of Collections/ Recoveries.

Be Accountable for Portfolio Quality of the Location.

Special Requirements (If any)

Working knowledge of small ticket unsecured Business loans preferred.

Job Location / State

KARNATAKA

Compensation Band

As per policy

Entitlements

As per policy

Stake Holders

Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams

Educational Qualification / Technical Certification

Any UG/PG or MBA

Skill Sets

Unsecured Lending Credit experience.

Communication Skills

Good oral, written and presentation skills

Experience

5+ years of overall experience

Behavioral Competencies

Uncompromising ethical standards and discipline expected

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