Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Cluster Credit Manager – Secured & Unsecured Lending Business 3 Grade : MM5 - 60 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 PAMAC which is Standardized/ central processing centre 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. 8 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. 9 Special Requirements (If any) : Working knowledge of small ticket unsecured Business loans preferred. 10 Job Location / State : Chennai /TN. 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 : Unsecured Lending Credit experience. 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) : -