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)

:

-