Area Sales Manager - Secured & Unsecured Lending

A

  Job Specification

1

Company Name

:

Muthoot Fincorp Limited

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Position / Designation

:

Area Sales Manager – Secured & Unsecured Lending Business

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Grade

:

 MM4

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Employment Type

:

All Employment Type

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Reporting to – 

Designation & Grade

:

State Business Manager – Secured & Unsecured Lending Business

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No. of Reportees,

Designation & Grade

:

5 RMs 1 Collections Officer

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Main Tasks & Areas of Responsibility

:

• Lead & Motivate team of RO/RM/BSMs to build to Overachieve Monthly / Quarterly / Half Yearly / Annual Business Budget
• Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna)
• To liaison with Credit, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning
• To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.
• To Be the Face of SULB Muthoot Fincorp for that Location for all practical purposes.
• 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.
• To Watch closely the Competition activities and report the same to the Zonal and National teams.
• To Work closely with Muthoot Fincorp branches for smoother disbursement of Gold backed Secured Loans and their safekeep.
• To Attract & Retain High Performers in the Team.
• To Retain existing live loan customers.
• To effectively liaison with law authorities for resolving conflicts if any.

8

Skills and Exposure

:

• A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork.
• Proven ability to Recruit and Retain high performing RO/RM/BSMs.

• Atleast 5 years experience in  leading a team of Sales Exectives, Team Leaders, with atleast 2 years of Onroll team members.

• Having good working knowledge on Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure.

•  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.

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Special Requirements (If any)

:

 Direct team managing experience mandatory

Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.

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Job Location / State

:

Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 

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Compensation Band

:

As per policy

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Entitlements

:

As per policy

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Stake Holders

:

Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams

B

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Educational Qualification / Technical Certification

:

Any UG/PG or MBA

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Skill Sets

:

Experience in Home Loans / Mortgages, with team handling skill sets.

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Communication Skills

:

Good oral, written and presentation skills

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Experience

:

5+ years of overall experience 

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Behavioral Competencies

:

Uncompromising ethical standards and discipline expected

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Other Requirements (If any)

:

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