Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Area Sales Manager – Secured & Unsecured Lending Business 3 Grade : MM4 4 Employment Type : All Employment Type 5 Reporting to – Designation & Grade : State Business Manager – Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : 5 RMs 1 Collections Officer 7 Main Tasks & Areas of Responsibility : • Lead & Motivate team of RO/RM/BSMs to build to Overachieve Monthly / Quarterly / Half Yearly / Annual Business Budget • Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. • To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna) • To liaison with Credit, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning • To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life. • To Be the Face of SULB Muthoot Fincorp for that Location for all practical purposes. • 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. • To Watch closely the Competition activities and report the same to the Zonal and National teams. • To Work closely with Muthoot Fincorp branches for smoother disbursement of Gold backed Secured Loans and their safekeep. • To Attract & Retain High Performers in the Team. • To Retain existing live loan customers. • To effectively liaison with law authorities for resolving conflicts if any. 8 Skills and Exposure : • A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. • Proven ability to Recruit and Retain high performing RO/RM/BSMs. • Atleast 5 years experience in leading a team of Sales Exectives, Team Leaders, with atleast 2 years of Onroll team members. • Having good working knowledge on Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. • 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. 9 Special Requirements (If any) : Direct team managing experience mandatory Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -