Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : State Business Manager – Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to – Designation & Grade : Zonal Sales Manager – Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : 7 Main Tasks & Areas of Responsibility : 1.. Achievement of Budgeted Sales Volumes. 2. Build relevant Sales structuer for State/region. 3. Work with branches on necessary products& distribution to build the portfolio. 4. Achievement of cross sell targets. 5. Responsible for soft bucket collections and maintain the delinquency as per desired level. 6. Work closely with Credit & Risk departments on product on Product & process roll outs. 7. Adhere & roll out Audit compliance /requirement to Sales vertical. . Monthly/Annual Sales Volumes/Portfolio as per budget plan. 2. Responsible for metrics IRR, process fee & ATS 3. Drive cross sell initiatives like insurance , other products through the team as well as the branches . 8 Skills and Exposure : 9 Special Requirements (If any) : Must have experience in Secured lending / unsecured lending business 10 Job Location / State : All States 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : MFL Staff, Group Company Staf 14 Career Progression : B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Unsecured Micro /small ticket /Biz loan Sales & distribution background. LAP Sales & Distribution ( not mandatory) Managed BTL initiatves. Channel and direct sales team experience. Soft Collections experience in unsecured loans. Team building& Training 17 Communication Skills : Excellent communication Skills – English language fluency - both verbal and written 18 Experience : 10+years of overall experience 19 Behavioral Competencies : Team work. Ability to work stretch/Multi-Tasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments& Organizational values. Task master having a daily grind on Sales/revenue numbers 20 Other Requirements (If any) : -