Muthoot Fincorp Limited

CREDIT MONITORING OFFICER

Muthoot Fincorp Limited
Chennai
Not disclosed
Work from OfficeWork from Office
Full TimeFull Time
Min. 2 yearsMin. 2 years

Job Description

CREDIT MONITORING OFFICER

ROLE SPECIFICATION 

Role Title

CREDIT MONITORING OFFICER - SCF

Employee Interviewed

Monitoring lead

Reports To

Senior credit Monitoring manager

Company

Muthoot Fincorp Limited

Function/Department

Credit – Supply Chain Finance 

Location

 Chennai

Written By

 Ganga devi S

Approved By (Functional)

NCH

Approved By (People & Culture)


Date (Written On)

14.11-2026



ROLE SUMMARY

The Credit Monitoring Officer responsible for maintaining portfolio health and managing end-to-end credit renewal lifecycles. Experienced in conducting Personal Discussions (PD), evaluating borrower creditworthiness, and recommending cases for renewal sanctions. Proven track record in tracking and closing deferrals, performing credit scrub and Days Past Due (DPD) analysis on existing borrowers to mitigate early delinquency risks, and maintaining accurate Management Information Systems (MIS). Adept at collaborating with cross-functional internal stakeholders to ensure seamless credit operations and regulatory compliance

ORGANIZATIONAL CHART




















KEY RESPONSIBILITIES

Operations & Transactional


Digital Underwriting & Technical Assessment

  • To check Critical Deviation During Renewal assessment and Take necessary Approval to move the Potential case for Renewal sanction. 
  • To Maintaining TAT of 1 days & Independence Decision maker
  • To Check CIBIL details, Bank Analysis, GST verification, Do VPD, Deferral tracking and KYC Verification of the Renewal cases. 
  • Review SRN cases with detailed checking of CIBIL and RTR with MFL. 
  • Financial Statement Analysis of Anchor Proposal and maintain Quality Portfolio. 
  • To maintain and Monitor MIS on regular basis. Publishing MIS to Senior management
  • Knowledge of Advanced excel to analyze the portfolio Quality, By Ensuring Risk Accounts are Identified. 
  • Track and maintain targeted AUM and Disbursement. 
  • EWS and Portfolio Monitoring.


Field Credit & Portfolio Control

  • Efficiency & Tech Adoption: Actively utilize automation and digitization tools to optimize Turnaround Time (TAT).
  • Data Integrity: Maintain accurate and up-to-date Management Information Systems (MIS) for tracking pipeline files, approvals, and QC Movement
  • Frequent Coordination with Portfolio team to understand the Position of High-Risk cases. 
  • Proactive Renewal tracing , On Quarterly basis. 


KEY INTERACTIONS

Internal Stakeholders

External Stakeholders


Portfolio Team, Sales team, Ops team and credit team


NA


KEY ROLE DIMENSIONS

Geographical coverage – State / Part of State

Direct reportees - NA

Total team size - NA

PAN India cases. 



KEY SKILLS & BEHAVIOURAL ATTRIBUTES 


Comfortable working in a paperless/highly digitized lending environment

Prior experience in credit/Working capital Underwriting / Risk under MSME loans and working capital assessment / technical Knowledge in MS Excel 

EDUCATION / EXPERIENCE

  • 2 – 5 years of experience 
  • Undergraduate / PG


Job role

Work location
Work locationANNA SALAI - CHENNAI
Department
DepartmentBanking / Insurance / Financial Services
Role / Category
Role / CategoryBanking Operations
Employment type
Employment typeFull Time
Shift
ShiftDay Shift

Job requirements

Experience
ExperienceMin. 2 years

About company

Name
NameMuthoot Fincorp Limited
Job posted by Muthoot Fincorp Limited

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