Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : HEAD COLLECTION - SULB 3 Grade : SENIOR VICE PRESIDENT 4 Employment Type : All Employment Type 5 Reporting to – Designation & Grade : Cheif Business Officer – Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : 7 Main Tasks & Areas of Responsibility : • Formulation of Underwriting Policies, Process & Programs, infrastructure, development, and deployment of underwriting models benchmarked to Competition with an edge. • Management & Maintenance of the quality of the Credit Portfolio from Origination to Collections • End to End Accountability at the Pre-sanction phase of the loan, and part of the loan life cycle post disbursement in case of delinquency. • Prepare Risk & Credit Decks on Monthly basis. • Highly Specialized role – By nature of Interactions with Key Stakeholders by striking a balance between Quality & Growth of the Portfolio. • Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof. • To be a Business Enabler. • Aim to optimize Credit Risk management to facilitate the business expansion plans. • Liaison with Product Head to contribute to the design of new products and advise on roll out of other products • To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency • Conduct detailed analysis of delinquencies and recommend changes to the product teams • Ensure the successful adoption of internal compliances, regulatory framework across the business. • Coordinate with internal audit and regulatory audit regarding their various requirements. • Collaborate with Collections to drive down the net credit loss & delinquency metrics. • Review and approve credit proposals given. • Responsible for ensuring sound understanding of credit policy across all relevant levels. • Product knowledge at market level and market segmentation is necessary. • Guidance to SME teams at Central, Zone and States. 8 Skills and Exposure : • Leadership Skills • Strategic Planning • Analytical Ability • Credit Underwriting • Policy & Product implementation • Training & Mentoring • Attract and retain best in class talent for key roles. • Drive Cooperation with the credit, technology, analytics, business and risk teams to ensure smooth functioning of business • Partner with Product & Policy team to bring out innovative products & to take inputs from Collections team to heal the portfolio by tweaking the policies for new sourcing. 9 Special Requirements (If any) : Experience in handling a similar role in a NBFC/HFC at National role handling Micro LAP, LAP and Secured lending. 10 Job Location / State : Chennai 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Internal – CMD, CHRO, Other HODs, Subordinates withing Departments, External – Vendors, External Auditors, Regulatory authorities, Merchant Bankers, Investors, Credit Bureaus, and Rating Agencies. B 15 Educational Qualification / Technical Certification : CA, MBA 16 Skill Sets : As per policy 17 Communication Skills : Good written, oral communication and presentation skills 18 Experience : 15+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -