Area Credit Manager

Muthoot Fincorp Limited

Ludhiana

Not disclosed

Work from Office

Full Time

Min. 3 Years

Job Details

Job Description

CLUSTER CREDIT MANAGER

Job Description

 

A

  Job Specification

1

Company Name

:

Muthoot Fincorp Limited

2

Position / Designation

:

Cluster Credit Manager – Secured & Unsecured Lending Business

3

Grade

:

D2

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)

:

-

Job role

Work location

LUDHIANA

Department

Banking / Insurance / Financial Services

Role / Category

Lending Operations

Employment type

Full Time

Shift

Day Shift

Job requirements

Experience

Min. 3 years

About company

Name

Muthoot Fincorp Limited

Job posted by Muthoot Fincorp Limited

This job has expired

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