Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager – Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to – Designation & Grade : State Credit Manager – Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : • End to End Managing of Credit Shop at the Branches assigned • Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio • To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. • Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. • Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. • To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. • To liaison with Business, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning. • 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 Retain existing live loan customers. • To effectively liaison with law authorities for resolving conflicts if any. • To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : • A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. • 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 atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. • Strong understanding of appraising proposals from 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) : 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) : -