State Business Manager - Lending

A

  Job Specification

1

Company Name

:

Muthoot Fincorp Limited

2

Position / Designation

:

State Business Manager – Secured & Unsecured Lending Business

3

Grade

:

E1/E2

4

Employment Type

:

All Employment Type

5

Reporting to – 

Designation & Grade

:

Zonal Sales Manager – Secured & Unsecured Lending Business 

6

No. of Reportees,

Designation & Grade

:

7

Main Tasks & Areas of Responsibility

:

1.. Achievement of Budgeted Sales Volumes. 2. Build

relevant Sales structuer for State/region. 3. Work with

branches on necessary products& distribution to build

the portfolio. 4. Achievement of cross sell targets. 5.

Responsible for soft bucket collections and maintain the

delinquency as per desired level. 6. Work closely with

Credit & Risk departments on product on Product &

process roll outs. 7. Adhere & roll out Audit compliance

/requirement to Sales vertical.

. Monthly/Annual Sales Volumes/Portfolio as per

budget plan. 2. Responsible for metrics IRR, process fee

& ATS 3. Drive cross sell initiatives like insurance , other

products through the team as well as the branches .

8

Skills and Exposure

:

9

Special Requirements (If any)

:

Must have experience in Secured lending / unsecured lending business

10

Job Location / State

:

All States 

11

Compensation Band

:

As per policy

12

Entitlements

:

As per policy

13

Stake Holders

:

MFL Staff, Group Company Staf

14

Career Progression

:

B

15

Educational Qualification / Technical Certification

:

Any UG/PG or MBA

16

Skill Sets

:

Unsecured Micro /small ticket /Biz loan Sales &

distribution background. LAP Sales & Distribution ( not

mandatory) Managed BTL initiatves. Channel and direct

sales team experience. Soft Collections experience in

unsecured loans. Team building& Training

17

Communication Skills

:

Excellent communication Skills – English language

fluency - both verbal and written

18

Experience

:

 10+years of overall experience 

19

Behavioral Competencies

:

Team work. Ability to work stretch/Multi-Tasking

Environment. Effective Communication ability at

different levels. Adaptable to complex Work environments& Organizational values. Task master

having a daily grind on Sales/revenue numbers

20

Other Requirements (If any)

:

-