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Muthoot Fincorp Limited

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Alwar

SALES EXECUTIVE - LEAD MANAGEMENTSales Executive – Alternate ChannelKey Job Responsibilities Deliver on Customer Acquisition through business development•To find new micro markets - two wheeler segment and empanel good quality referral partners to scale up Two wheeler business loan.•Work in the Area assigned by the Branch Business Manager and generate leads•Cold Calling to the potential customer base to generate business•Daily Sales Calls as per the Plan submitted to BBM•To find, nurture and develop excellent relationship with the Referral Partners / Connectors Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business•To give doorstep service to customers – at their residence or office.•To learn the Organization’s policies, and source files as per the policy.•To Act as the Eyes &amp; Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager •To Support the Customers in terms of end -to- end loan processing.•To act as the Bridge between Customers and the Branch•To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing.•To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health &amp; Life.•To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working.•Retain existing live loan customers. Knowledge, Skills &amp; Attributes•Result Orientation•Customer Service &amp; Retention Focus•Strong presentation skills•Relationship Building &amp; Stake holder Management•Process Knowledge/ Orientation•Cross Selling / Upselling Skills•Business Development•Communication Skills – Proficiency in local language and English

Sales Executive

Branch Business Manager - ALWAR<table border="0" cellpadding="0" cellspacing="0" width="721"><tbody><tr><td colspan="4" width="100%"><table border="1" cellpadding="0" cellspacing="0"><tbody><tr><td width="37.868480725623584%">Job Description</td><td valign="top" width="62.131519274376416%"> </td></tr></tbody></table></td></tr><tr><td width="5.270457697642164%">A</td><td colspan="3" width="94.72954230235784%">  Job Specification</td></tr><tr><td width="5.2631578947368425%">1</td><td width="27.562326869806093%">Company Name</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Muthoot Fincorp Limited</td></tr><tr><td width="5.2631578947368425%">2</td><td width="27.562326869806093%">Position / Designation</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Branch Business Manager – Secured &amp; Unsecured Lending Business</td></tr><tr><td width="5.2631578947368425%">3</td><td width="27.562326869806093%">Grade</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%"> </td></tr><tr><td width="5.2631578947368425%">4</td><td width="27.562326869806093%">Employment Type</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">All Employment Type</td></tr><tr><td width="5.2631578947368425%">5</td><td width="27.562326869806093%">Reporting to – Designation &amp; Grade</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">State Business Manager – Secured &amp; Unsecured Lending Business</td></tr><tr><td width="5.2631578947368425%">6</td><td width="27.562326869806093%">No. of Reportees,Designation &amp; Grade</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">5 RMs / BSMs; 1 Collections Officer</td></tr><tr><td width="5.2631578947368425%"> 7 </td><td width="27.562326869806093%">Main Tasks &amp; Areas of Responsibility</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%"><ul><li>Lead &amp; Motivate team of RO/RM/BSMs to build to Overachieve Monthly / Quarterly / Half Yearly / Annual Business Budget</li><li>Own &amp; resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio.</li><li>To find new micro markets and empanel good quality referral partners to scale up Micro LAP business &amp; Gold backed secured business loan (Suvarna)</li><li>To liaison with Credit, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning</li><li>To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health &amp; Life.</li><li>To Be the Face of SULB Muthoot Fincorp for that Location for all practical purposes.</li><li>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.</li><li>To Watch closely the Competition activities and report the same to the Zonal and National teams.</li><li>To Work closely with Muthoot Fincorp branches for smoother disbursement of Gold backed Secured Loans and their safekeep.</li><li>To Attract &amp; Retain High Performers in the Team.</li><li>To Retain existing live loan customers.</li><li>To effectively liaison with law authorities for resolving conflicts if any.</li></ul> </td></tr><tr><td width="5.2631578947368425%">8</td><td width="27.562326869806093%">Skills and Exposure</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%"><ul><li>A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork.</li><li>Proven ability to Recruit and Retain high performing RO/RM/BSMs.</li></ul> <ul><li>Atleast 5 years experience in  leading a team of Sales Exectives, Team Leaders, with atleast 2 years of Onroll team members.</li></ul> <ul><li>Having good working knowledge on Lower &amp; Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure.</li></ul> <ul><li> Excellent interpersonal and verbal communication skills</li></ul> <ul><li>Ability to Work &amp; Deliver business targets under pressure </li></ul> <ul><li>Working knowledge of Collections/ Recoveries.</li></ul> <ul><li>Be Accountable for Portfolio Quality of the Location.</li></ul></td></tr><tr><td width="5.2631578947368425%">9</td><td width="27.562326869806093%">Special Requirements (If any)</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%"> Direct team managing experience mandatoryWorking knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.</td></tr><tr><td width="5.2631578947368425%">10</td><td width="27.562326869806093%">Job Location / State</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, </td></tr><tr><td width="5.2631578947368425%">11</td><td width="27.562326869806093%">Compensation Band</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">As per policy</td></tr><tr><td width="5.2631578947368425%">12</td><td width="27.562326869806093%">Entitlements</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">As per policy</td></tr><tr><td width="5.2631578947368425%">13</td><td width="27.562326869806093%">Stake Holders</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams</td></tr><tr><td width="5.270457697642164%">B</td><td colspan="3" width="94.72954230235784%"> </td></tr><tr><td width="5.2631578947368425%">15</td><td valign="bottom" width="27.562326869806093%">Educational Qualification / Technical Certification</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Any UG/PG or MBA</td></tr><tr><td width="5.2631578947368425%">16</td><td width="27.562326869806093%">Skill Sets</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Experience in Home Loans / Mortgages, with team handling skill sets.</td></tr><tr><td width="5.2631578947368425%">17</td><td width="27.562326869806093%">Communication Skills</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Good oral, written and presentation skills</td></tr><tr><td width="5.2631578947368425%">18</td><td width="27.562326869806093%">Experience</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">5+ years of overall experience </td></tr><tr><td width="5.2631578947368425%">19</td><td width="27.562326869806093%">Behavioral Competencies</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Uncompromising ethical standards and discipline expected</td></tr><tr><td width="5.2631578947368425%">20</td><td width="27.562326869806093%">Other Requirements (If any)</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">-</td></tr></tbody></table>

Branch Manager

BRANCH CREDIT OFFICER- Alwar1.Company Name : Muthoot Fincorp Ltd. 2 Position/Designation : CREDIT OFFICER-SECURED &amp; UNSECURED LENDING BUSINESS 3 Grade : C1 4 Department : SECURED &amp; UNSECURED LENDING BUSINESS 5 Sub Department(if any) : CREDIT 6 Employment Type : Probationer  Job Role : CREDIT OFFICER-SECURED &amp; UNSECURED LENDING BUSINESS  Reporting to - Designation and Grade : CREDIT MANAGER-SECURED &amp; UNSECURED LENDING BUSINESS-D1 Main Tasks : 1. Meet customer's business premises and residence and conduct a detailed verification. 2. Proper credit assessment as per template and reporting to Credit Manager 3. Conduct study on cash flow, ability to pay of customer with utmost integrity. 4. Gather all relevant information thru discussion &amp; documents to make a proper credit analysis. 5 Areas of Responsibility : 1. Timely customer meetings. 2. 100% compliance to right credit underwriting procedures. 3. maintain TAT within product guidelines. 4. focus Delinquency triggers as per product norms.  SkillSets : Unsecured Micro /small ticket /Biz loan credit experience. LAP credit experience. Communication Skills : Excellent communication Skills – English language fluency - both verbal and written.  Total Experience : 3Year(s)0 Month(s) Behavioural Competencies : Need to be a Team player Ability to work stretch/MultiTasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments&amp; live Organizational values. <table border="0" cellpadding="0" cellspacing="0" width="614"><tbody><tr><td class="xl63" height="77" width="100%"> </td></tr></tbody></table>

Credit Officer

BRANCH MANAGER - RO Agrasen Circle Alwar <div>Key Job Responsibilities </div><div>Customer Championship</div><div>•Maintain regular &amp; continuous relationship with existing and potential customers.</div><div>•Constant study of market and identify market trends to - aid innovation and/or to meet the need(s) of customers by up-sell/cross sell of products.</div><div>•Initiate, implement/coordinate and participate in marketing for achieving the above. </div><div>•Achieve customer delight through eﬃcient customer service. Retain existing customers and acquire new continuously. </div><div> </div><div>Product – Process Championship</div><div>•Achieve branch targets and ensure proﬁtability of the unit (branch). </div><div>•Will involve in Field Visits for Marketing / Collection activities basis to branch requirements</div><div>•Collaborate with various departments to ensure smooth functioning of the branch. </div><div>•Ensure operational adherence as per Manual of Instructions and laid down policies and practices. Mitigation &amp; Prevention of Risk (material &amp; people) by early and timely detection of fraud(s) and up-hold the vision &amp; values of the Organization and goodwill of customers. </div><div>•Recovery of receivables: To ensure organization’s revenue ﬂow and protect customer’s long-term interest by regular monitoring and follow up. Should adhere to the operation protocols mandated by the organization. </div><div>•Eﬃcient maintenance of branch books of accounts, documents and statutory records and upkeep of branch premises and physical Assets. Liaison and coordination with statutory authorities and/or external agencies and ensure compliance adherence, rule of Law.</div><div>•Role will come under the purview of Audit &amp; Gold Inspection.</div><div>•Should focus on branch profitability &amp; ensure that assigned branch is profitable</div><div> </div><div>People Championship</div><div>•Ensure proper handholding and timely/continues training of the team. </div><div>•Encourage acquiring and sharing of knowledge by team members and proactively participate in knowledge sharing for the development of business and career progression of team.</div><div> </div><div>Knowledge, Skills &amp; Attributes</div><div>•Result Orientation</div><div>•Customer Service &amp; Retention Focus</div><div>•Planning &amp; Forecasting Skills</div><div>•Relationship Building</div><div>•Coaching &amp; Mentoring </div><div>•Market Intelligence </div><div>•Business Development</div><div>•Communication Skills – Proficiency in local language and English</div><table border="0" cellpadding="0" cellspacing="0" width="330"></table>

CUSTOMER SERVICE EXECUTIVE Key Job Responsibilities •To ensure quality of business and operational eﬃciency through proper process adherence and facilitate smooth functioning of branches. •Promote and maintain positive relations with all contacts, customers, and potential customers•Achieve desired level of productivity to meet &amp; contribute towards branch profitability targets.•Promotes the products and services; consistently cross-sells and Up-sells products at every opportunity.•Conduct promotional activities for marketing and drive referral programs for customer acquisition•Responsible to handle day to day transactions and valuables.•Maintain all data and records related to daily transactions•Retain customers, by working towards achieving the higher purpose to transform the life of the common man by improving their financial well being Knowledge, Skills &amp; Attributes•Result Orientation•Customer Service &amp; Retention Focus•Digital Mindset•Relationship Building•Process Knowledge/ Orientation•Effective Time Management•Cross Selling / Upselling Skills•Business Development•Communication Skills – Proficiency in local language and EnglishRole RequirementsEducational Qualification – Graduate Experience – Freshers / 1 year experience in lending / financial services <table border="0" cellpadding="0" cellspacing="0" width="330"></table>

Customer Service Executive

Branch Internal Auditor <table border="1" cellpadding="0" cellspacing="0"><tbody><tr><td colspan="4" valign="top" width="100%">JOB DESCRIPTION                                                                 </td></tr><tr><td valign="top" width="10.2880658436214%">A</td><td colspan="3" valign="top" width="89.7119341563786%">Job Speciﬁcation</td></tr><tr><td valign="top" width="10.2880658436214%">1</td><td valign="top" width="39.78052126200274%">Company Name</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%">Muthoot Fincorp Ltd.</td></tr><tr><td valign="top" width="10.2880658436214%">2</td><td valign="top" width="39.78052126200274%">Position/Designation</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%">BRANCH INTERNAL AUDITOR</td></tr><tr><td valign="top" width="10.2880658436214%">3</td><td valign="top" width="39.78052126200274%">Grade</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%">C1/C2/C3/C4/D1/D2</td></tr><tr><td valign="top" width="10.2880658436214%">4</td><td valign="top" width="39.78052126200274%">Department</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%">INTERNAL AUDIT &amp; QUALITY ASSURANCE</td></tr><tr><td valign="top" width="10.2880658436214%">5</td><td valign="top" width="39.78052126200274%">Sub Department(if any)</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%">BRANCH AUDIT</td></tr><tr><td valign="top" width="10.2880658436214%">6</td><td valign="top" width="39.78052126200274%">Employment Type</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%">Probationer</td></tr><tr><td valign="top" width="10.2880658436214%">B</td><td colspan="3" valign="top" width="89.7119341563786%">Job Role</td></tr><tr><td valign="top" width="10.2880658436214%">1</td><td valign="top" width="39.78052126200274%">Job Role</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%">As per Matrix</td></tr><tr><td valign="top" width="10.2880658436214%">2</td><td valign="top" width="39.78052126200274%">Reporting to - Designation and Grade</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%">As per Matrix</td></tr><tr><td valign="top" width="10.2880658436214%">3</td><td valign="top" width="39.78052126200274%">NoOfReportees</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%"> </td></tr><tr><td valign="top" width="10.2880658436214%">  4</td><td valign="top" width="39.78052126200274%">  Main Tasks</td><td valign="top" width="2.880658436213992%">  :</td><td valign="top" width="47.05075445816187%">To provide accurate reports on audit findings. Administration monitoring of audit quality. Managing SPOC for auditors pan India. Create MIS for fraud incidents, prepare analysis of fraud and the learnings from the incident.</td></tr><tr><td valign="top" width="10.2880658436214%">       5</td><td valign="top" width="39.78052126200274%">       Areas of Responsibility</td><td valign="top" width="2.880658436213992%">       :</td><td valign="top" width="47.05075445816187%">Review of Audit Reports of branches to ascertain that the observations are rectified, serious notings are followed up and resolved at branches, evaluate whether the auditor has applied mind and diligence in doing audit, whether Audit Manager has applied mind in reading the report and in resolving issues, Score card are in alignment with audit. Make record of all fraud and serious irregularities found out at branches, analyse to understand the pattern, derive learning and apprise HOD. Manage administrative work of Risk Dept., be Single Point of Contact for all India level for auditors and other sta for H.O related manners, attend to I.T related complaints and issues of audit. Compling Branch Audit and Forex audit completion data, prepare summary of audit pending statistics.</td></tr><tr><td valign="top" width="10.2880658436214%">6</td><td valign="top" width="39.78052126200274%">Special Requirements (if any)</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%"> </td></tr><tr><td valign="top" width="10.2880658436214%">7</td><td valign="top" width="39.78052126200274%">Compensation Band</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%"> </td></tr><tr><td valign="top" width="10.2880658436214%">8</td><td valign="top" width="39.78052126200274%">Entitlements</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%"> </td></tr><tr><td valign="top" width="10.2880658436214%">9</td><td valign="top" width="39.78052126200274%">Stake Holders</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%"> </td></tr><tr><td valign="top" width="10.2880658436214%">10</td><td valign="top" width="39.78052126200274%">Assets Required</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%"> </td></tr><tr><td valign="top" width="10.2880658436214%">11</td><td valign="top" width="39.78052126200274%">Career Progression</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%"> </td></tr><tr><td colspan="4" valign="top" width="100%">Personal Speciﬁcation</td></tr><tr><td valign="top" width="10.2880658436214%">12</td><td valign="top" width="39.78052126200274%">Educational Qualiﬁcation</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%">CA Fresher/CA Inter/CMA/MBA/Any Graduation</td></tr><tr><td valign="top" width="10.2880658436214%">13</td><td valign="top" width="39.78052126200274%">Technical Certiﬁcation</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%"> </td></tr><tr><td valign="top" width="10.2880658436214%"> 14</td><td valign="top" width="39.78052126200274%"> SkillSets</td><td valign="top" width="2.880658436213992%"> :</td><td valign="top" width="47.05075445816187%"><ul><li>Administrative abilities and people management skills</li><li>Analytical skills, mathematical aptitude, Computer proficiency.</li></ul></td></tr><tr><td valign="top" width="10.2880658436214%">15</td><td valign="top" width="39.78052126200274%">Communication Skills</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%">Good communication</td></tr><tr><td valign="top" width="10.2880658436214%">16</td><td valign="top" width="39.78052126200274%">Total Experience</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%">0Year(s)0 Month(s)</td></tr><tr><td valign="top" width="10.2880658436214%">17</td><td valign="top" width="39.78052126200274%">Behavioural Competencies</td><td valign="top" width="2.880658436213992%">:</td><td valign="top" width="47.05075445816187%">N/A</td></tr></tbody></table>

Internal Auditor

SALES MANAGER - SCFSales Manager – SME/MSME programs: Key Responsibilities<ul type="disc"><li>Starting sales and developing business in the targeted cluster by establishing and building a customer base in Supply Chain Finance vertical. </li><li>Responsible to source and on-board distributors / wholesalers / manufacturer and understand client offerings, evaluate product fit, define end to end journey and work on commercial negotiations to finalize the program terms. </li><li>To manage and drive onboarding of traders referred under the SCF programs.   </li><li>Expanding strategic and opportunistic locations in the region for the SCF programs. </li><li>Formulate strategies to ensure wide adoption of our products across the SME world. </li><li>To maintain good relationships with the anchor's regional &amp; central SPOCs. </li><li>Improve the performance &amp; quality of portfolio through regular monitoring and providing recommendations for course correction to the Product.</li><li>Increasing the share of the SME/MSME wallet – onboarding the customer across multiple products, credit services, etc. </li><li>Recommend improvements to processes and policies across the SCF business to drive operational efficiencies and high-quality customer service.</li></ul> Desired Skills and Experience<ul type="disc"><li>Graduate or postgraduate with 3-6 years of experience in managing SME / MSME relationships in BFSI domain. </li><li>Flair for Sales.</li><li>Sound understanding of finance &amp; financials. </li><li>Good with numbers, Insights and be able to analyse balance sheets and P&amp;L </li><li> Extremely self-driven &amp; hardworking with the ability to lead team. </li><li> Excellent communication skills and man-to-man sales skills. </li><li>Can work in high-pressure situations and is completely hands-on; has the knack to hustle and get the job done.</li><li> Having the ability to interact with promoters / CXOs of SMEs and glean information through physical discussions. </li><li> Flexible to travel around and fluent in English, Hindi, or other regional languages.</li></ul>

Supply Chain Manager

Branch Sales Officer- ALWAR <table border="0" cellpadding="0" cellspacing="0" width="614"><tbody><tr><td class="xl63" height="39" width="100%"> Key Job Responsibilities Deliver on Customer Acquisition through business development•To find new micro markets and empanel good quality referral partners to scale up Micro LAP business &amp; Gold backed secured business loan (Suvarna)•Work in the Area assigned by the Branch Business Manager and generate leads•Cold Calling to the potential customer base to generate business•Daily Sales Calls as per the Plan submitted to BBM•To find, nurture and develop excellent relationship with the Referral Partners / Connectors Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business•To give doorstep service to customers – at their residence or office.•To learn the Organization’s policies, and source files as per the policy.•To Act as the Eyes &amp; Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager •To Support the Customers in terms of end -to- end loan processing.•To act as the Bridge between Customers and the Branch•To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing.•To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health &amp; Life.•To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working.•Retain existing live loan customers. Knowledge, Skills &amp; Attributes•Result Orientation•Customer Service &amp; Retention Focus•Strong presentation skills•Relationship Building &amp; Stake holder Management•Process Knowledge/ Orientation•Cross Selling / Upselling Skills•Business Development•Communication Skills – Proficiency in local language and English</td></tr></tbody></table>

Branch Sales Executive

Rashtrapati Bhavan

Tilak Nagar, Delhi

Team Management & Compliance : - Conduct goal setting for the team, providing necessary training and support to achieve monthly targets.- Supervise, train, and mentor branch personnel, fostering an environment of continuous improvement and learning.- Uphold organizational vision and values, ensuring strict adherence to policies, regulatory guidelines, and record maintenance.- Liaise with internal and external stakeholders, including HR, legal, and regulatory bodies, to resolve issues and ensure smooth operations.


GARHI EXTENSION

Branch Business Manager - Secured & Unsecured Lending Business<table border="0" cellpadding="0" cellspacing="0" width="721"><tbody><tr><td colspan="4" width="100%"><table border="1" cellpadding="0" cellspacing="0"><tbody><tr><td width="37.868480725623584%">Job Description</td><td valign="top" width="62.131519274376416%"> </td></tr></tbody></table></td></tr><tr><td width="5.270457697642164%">A</td><td colspan="3" width="94.72954230235784%">  Job Specification</td></tr><tr><td width="5.2631578947368425%">1</td><td width="27.562326869806093%">Company Name</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Muthoot Fincorp Limited</td></tr><tr><td width="5.2631578947368425%">2</td><td width="27.562326869806093%">Position / Designation</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Branch Business Manager – Secured &amp; Unsecured Lending Business</td></tr><tr><td width="5.2631578947368425%">3</td><td width="27.562326869806093%">Grade</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%"> </td></tr><tr><td width="5.2631578947368425%">4</td><td width="27.562326869806093%">Employment Type</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">All Employment Type</td></tr><tr><td width="5.2631578947368425%">5</td><td width="27.562326869806093%">Reporting to – Designation &amp; Grade</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">State Business Manager – Secured &amp; Unsecured Lending Business</td></tr><tr><td width="5.2631578947368425%">6</td><td width="27.562326869806093%">No. of Reportees,Designation &amp; Grade</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">5 RMs / BSMs; 1 Collections Officer</td></tr><tr><td width="5.2631578947368425%"> 7 </td><td width="27.562326869806093%">Main Tasks &amp; Areas of Responsibility</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%"><ul><li>Lead &amp; Motivate team of RO/RM/BSMs to build to Overachieve Monthly / Quarterly / Half Yearly / Annual Business Budget</li><li>Own &amp; resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio.</li><li>To find new micro markets and empanel good quality referral partners to scale up Micro LAP business &amp; Gold backed secured business loan (Suvarna)</li><li>To liaison with Credit, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning</li><li>To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health &amp; Life.</li><li>To Be the Face of SULB Muthoot Fincorp for that Location for all practical purposes.</li><li>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.</li><li>To Watch closely the Competition activities and report the same to the Zonal and National teams.</li><li>To Work closely with Muthoot Fincorp branches for smoother disbursement of Gold backed Secured Loans and their safekeep.</li><li>To Attract &amp; Retain High Performers in the Team.</li><li>To Retain existing live loan customers.</li><li>To effectively liaison with law authorities for resolving conflicts if any.</li></ul> </td></tr><tr><td width="5.2631578947368425%">8</td><td width="27.562326869806093%">Skills and Exposure</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%"><ul><li>A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork.</li><li>Proven ability to Recruit and Retain high performing RO/RM/BSMs.</li></ul> <ul><li>Atleast 5 years experience in  leading a team of Sales Exectives, Team Leaders, with atleast 2 years of Onroll team members.</li></ul> <ul><li>Having good working knowledge on Lower &amp; Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure.</li></ul> <ul><li> Excellent interpersonal and verbal communication skills</li></ul> <ul><li>Ability to Work &amp; Deliver business targets under pressure </li></ul> <ul><li>Working knowledge of Collections/ Recoveries.</li></ul> <ul><li>Be Accountable for Portfolio Quality of the Location.</li></ul></td></tr><tr><td width="5.2631578947368425%">9</td><td width="27.562326869806093%">Special Requirements (If any)</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%"> Direct team managing experience mandatoryWorking knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.</td></tr><tr><td width="5.2631578947368425%">10</td><td width="27.562326869806093%">Job Location / State</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, </td></tr><tr><td width="5.2631578947368425%">11</td><td width="27.562326869806093%">Compensation Band</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">As per policy</td></tr><tr><td width="5.2631578947368425%">12</td><td width="27.562326869806093%">Entitlements</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">As per policy</td></tr><tr><td width="5.2631578947368425%">13</td><td width="27.562326869806093%">Stake Holders</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams</td></tr><tr><td width="5.270457697642164%">B</td><td colspan="3" width="94.72954230235784%"> </td></tr><tr><td width="5.2631578947368425%">15</td><td valign="bottom" width="27.562326869806093%">Educational Qualification / Technical Certification</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Any UG/PG or MBA</td></tr><tr><td width="5.2631578947368425%">16</td><td width="27.562326869806093%">Skill Sets</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Experience in Home Loans / Mortgages, with team handling skill sets.</td></tr><tr><td width="5.2631578947368425%">17</td><td width="27.562326869806093%">Communication Skills</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Good oral, written and presentation skills</td></tr><tr><td width="5.2631578947368425%">18</td><td width="27.562326869806093%">Experience</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">5+ years of overall experience </td></tr><tr><td width="5.2631578947368425%">19</td><td width="27.562326869806093%">Behavioral Competencies</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Uncompromising ethical standards and discipline expected</td></tr><tr><td width="5.2631578947368425%">20</td><td width="27.562326869806093%">Other Requirements (If any)</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">-</td></tr></tbody></table>

BUSINESS DEVELOPMENT OFFICER <table border="1" cellpadding="0" cellspacing="0"><tbody><tr><td colspan="4" valign="top" width="100%">JOB DESCRIPTION                   </td></tr><tr><td valign="top" width="10.19830028328612%">A</td><td colspan="3" valign="top" width="89.80169971671388%">Job Speciﬁcation</td></tr><tr><td valign="top" width="10.19830028328612%">1</td><td valign="top" width="39.94334277620396%">Company Name</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Muthoot Fincorp Ltd.</td></tr><tr><td valign="top" width="10.19830028328612%">2</td><td valign="top" width="39.94334277620396%">Position/Designation</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Business Development Executive </td></tr><tr><td valign="top" width="10.19830028328612%">3</td><td valign="top" width="39.94334277620396%">Grade</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">B2</td></tr><tr><td valign="top" width="10.19830028328612%">4</td><td valign="top" width="39.94334277620396%">Department</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">BRANCH</td></tr><tr><td valign="top" width="10.19830028328612%">5</td><td valign="top" width="39.94334277620396%">Sub Department (if any)</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">N/A-Sub Department</td></tr><tr><td valign="top" width="10.19830028328612%">6</td><td valign="top" width="39.94334277620396%">Employment Type</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Probationer</td></tr><tr><td valign="top" width="10.19830028328612%">B</td><td colspan="3" valign="top" width="89.80169971671388%">Job Role</td></tr><tr><td valign="top" width="10.19830028328612%">1</td><td valign="top" width="39.94334277620396%">Job Role</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Branch Business Development</td></tr><tr><td valign="top" width="10.19830028328612%">2</td><td valign="top" width="39.94334277620396%">Reporting to - Designation and Grade</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Branch Manager</td></tr><tr><td valign="top" width="10.19830028328612%">3</td><td valign="top" width="39.94334277620396%">No Of Reportees</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%"> </td></tr><tr><td valign="top" width="10.19830028328612%">   4</td><td valign="top" width="39.94334277620396%">   Main Tasks</td><td valign="top" width="2.8328611898016995%">   :</td><td valign="top" width="47.02549575070822%">Increase the Branch business 1.Field Marketing. 2.Generate Leads on daily basis.3.Conversation of leads 4.Sales Calls 5.Generate new customer Business for GL and Third party.  </td></tr><tr><td valign="top" width="10.19830028328612%">    5</td><td valign="top" width="39.94334277620396%">    Areas of Responsibility</td><td valign="top" width="2.8328611898016995%">    :</td><td valign="top" width="47.02549575070822%">1.Achieve Monthly Sales Target. 2.Cross selling and up selling of third Party and group products to Gold Loan customers. 3.Adhere to lending norms and maintain integrity in customer transactions. 4.Support the branch in interest collection. 5.Conduct branch catchment development activities and generate customer leads and converting them to NCA. </td></tr><tr><td valign="top" width="10.19830028328612%">6</td><td valign="top" width="39.94334277620396%">Special Requirements (if any)</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Graduate/Post Graduate.</td></tr><tr><td valign="top" width="10.19830028328612%">7</td><td valign="top" width="39.94334277620396%">Compensation Band</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Based on Market Standards/Internal norms</td></tr><tr><td valign="top" width="10.19830028328612%">8</td><td valign="top" width="39.94334277620396%">Entitlements</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">As per policy</td></tr><tr><td valign="top" width="10.19830028328612%">9</td><td valign="top" width="39.94334277620396%">Stake Holders</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">MFL Staﬀ, Group Company Staﬀ, Customers</td></tr><tr><td valign="top" width="10.19830028328612%">10</td><td valign="top" width="39.94334277620396%">Assets Required</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">As per policy</td></tr><tr><td valign="top" width="10.19830028328612%">11</td><td valign="top" width="39.94334277620396%">Career Progression</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Null</td></tr><tr><td colspan="4" valign="top" width="100%">Personal Speciﬁcation</td></tr><tr><td valign="top" width="10.19830028328612%">12</td><td valign="top" width="39.94334277620396%">Educational Qualiﬁcation</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Graduate (minimum)</td></tr><tr><td valign="top" width="10.19830028328612%">13</td><td valign="top" width="39.94334277620396%">Technical Certiﬁcation</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Basic Computer Knowledge, esp.MS Oﬃce applications mandatory. MS Excel preferable.</td></tr><tr><td valign="top" width="10.19830028328612%"> 14</td><td valign="top" width="39.94334277620396%"> Skill Sets</td><td valign="top" width="2.8328611898016995%"> :</td><td valign="top" width="47.02549575070822%">Sales orientation. Good communication skills. Outgoing and confident. Problem solving capabilities, Result oriented, Proactive, Creative, and innovative, Perseverance, Flexibility, Pleasant and Smart, Integrity, Effective, Team player. And Empathetic</td></tr><tr><td valign="top" width="10.19830028328612%">15</td><td valign="top" width="39.94334277620396%">Communication Skills</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Conversant in local language and English</td></tr><tr><td valign="top" width="10.19830028328612%">16</td><td valign="top" width="39.94334277620396%">Total Field Sales Experience</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">1Year(s)0 Month(s)</td></tr><tr><td valign="top" width="10.19830028328612%">17</td><td valign="top" width="39.94334277620396%">Behavioral Competencies</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">NA</td></tr><tr><td valign="top" width="10.19830028328612%">18</td><td valign="top" width="39.94334277620396%">Other Requirements (if any)</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Null</td></tr><tr><td valign="top" width="10.19830028328612%">19</td><td valign="top" width="39.94334277620396%">Remarks</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%"> </td></tr><tr><td valign="top" width="10.19830028328612%">C</td><td colspan="3" valign="top" width="89.80169971671388%">Approvals</td></tr><tr><td valign="top" width="10.19830028328612%">24</td><td valign="top" width="39.94334277620396%">Prepared by (Name/Designation/ Date)</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%"> </td></tr><tr><td valign="top" width="10.19830028328612%">25</td><td valign="top" width="39.94334277620396%">Approved by (Name/Designation/ Date)</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Need to be a Team player. Ability to work stretch/Multi-Tasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments &amp; live Organizational values. </td></tr></tbody></table> MFL/HR/JD/V1.0@2014                                     Not for External Circulation                                        FLN

Business Development Executive

BRANCH BUSINESS MANAGER HOME LOANS<table border="0" cellpadding="0" cellspacing="0" width="721"><tbody><tr><td colspan="4" width="100%"><table border="1" cellpadding="0" cellspacing="0"><tbody><tr><td width="37.868480725623584%">ob Description</td></tr></tbody></table></td></tr><tr><td width="5.270457697642164%">A</td><td colspan="3" width="94.72954230235784%">  Job Specification</td></tr><tr><td width="5.2631578947368425%">1</td><td width="27.562326869806093%">Company Name</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Muthoot Fincorp Limited</td></tr><tr><td width="5.2631578947368425%">2</td><td width="27.562326869806093%">Position / Designation</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Cluster Business Manager – Secured &amp; Unsecured Lending Business</td></tr><tr><td width="5.2631578947368425%">3</td><td width="27.562326869806093%">Grade</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">E1/E2</td></tr><tr><td width="5.2631578947368425%">4</td><td width="27.562326869806093%">Employment Type</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">All Employment Type</td></tr><tr><td width="5.2631578947368425%">5</td><td width="27.562326869806093%">Reporting to – Designation &amp; Grade</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Zonal Sales Manager – Secured &amp; Unsecured Lending Business </td></tr><tr><td width="5.2631578947368425%">6</td><td width="27.562326869806093%">No. of Reportees,Designation &amp; Grade</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%"> </td></tr><tr><td width="5.2631578947368425%"> 7 </td><td width="27.562326869806093%">Main Tasks &amp; Areas of Responsibility</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">1.. Achievement of Budgeted Sales Volumes. 2. Buildrelevant Sales structuer for State/region. 3. Work withbranches on necessary products&amp; distribution to buildthe portfolio. 4. Achievement of cross sell targets. 5.Responsible for soft bucket collections and maintain thedelinquency as per desired level. 6. Work closely withCredit &amp; Risk departments on product on Product &amp;process roll outs. 7. Adhere &amp; roll out Audit compliance/requirement to Sales vertical. . Monthly/Annual Sales Volumes/Portfolio as perbudget plan. 2. Responsible for metrics IRR, process fee&amp; ATS 3. Drive cross sell initiatives like insurance , otherproducts through the team as well as the branches .</td></tr><tr><td width="5.2631578947368425%">8</td><td width="27.562326869806093%">Skills and Exposure</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%"> </td></tr><tr><td width="5.2631578947368425%">9</td><td width="27.562326869806093%">Special Requirements (If any)</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Must have experience in Secured lending / unsecured lending business</td></tr><tr><td width="5.2631578947368425%">10</td><td width="27.562326869806093%">Job Location / State</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">All States </td></tr><tr><td width="5.2631578947368425%">11</td><td width="27.562326869806093%">Compensation Band</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">As per policy</td></tr><tr><td width="5.2631578947368425%">12</td><td width="27.562326869806093%">Entitlements</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">As per policy</td></tr><tr><td width="5.2631578947368425%">13</td><td width="27.562326869806093%">Stake Holders</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">MFL Staff, Group Company Staf</td></tr><tr><td width="5.2631578947368425%">14</td><td width="27.562326869806093%">Career Progression</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%"> </td></tr><tr><td width="5.270457697642164%">B</td><td colspan="3" width="94.72954230235784%"> </td></tr><tr><td width="5.2631578947368425%">15</td><td valign="bottom" width="27.562326869806093%">Educational Qualification / Technical Certification</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Any UG/PG or MBA</td></tr><tr><td width="5.2631578947368425%">16</td><td width="27.562326869806093%">Skill Sets</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Unsecured Micro /small ticket /Biz loan Sales &amp;distribution background. LAP Sales &amp; Distribution ( notmandatory) Managed BTL initiatves. Channel and directsales team experience. Soft Collections experience inunsecured loans. Team building&amp; Training</td></tr><tr><td width="5.2631578947368425%">17</td><td width="27.562326869806093%">Communication Skills</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Excellent communication Skills – English languagefluency - both verbal and written</td></tr><tr><td width="5.2631578947368425%">18</td><td width="27.562326869806093%">Experience</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%"> 10+years of overall experience </td></tr><tr><td width="5.2631578947368425%">19</td><td width="27.562326869806093%">Behavioral Competencies</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">Team work. Ability to work stretch/Multi-TaskingEnvironment. Effective Communication ability atdifferent levels. Adaptable to complex Work environments&amp; Organizational values. Task masterhaving a daily grind on Sales/revenue numbers</td></tr><tr><td width="5.2631578947368425%">20</td><td width="27.562326869806093%">Other Requirements (If any)</td><td width="2.6315789473684212%">:</td><td width="64.54293628808864%">-</td></tr></tbody></table>

Business Manager

SENIOR RELATIONSHIP OFFICER - HL - SULB NORTH Company Name – Muthoot Fincorp LimitedJob Title – Senior Relationship  Officer, Secured &amp; Unsecured Business Loans Grade – C1Location – PAN IndiaReports to – Business Manager, Secured &amp; Unsecured Business LoansSpan Of Control – NA Job Purpose The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship.  Key Job Responsibilities Deliver on Customer Acquisition through business development<ul><li>To find new micro markets and empanel good quality referral partners to scale up Micro LAP business &amp; Gold backed secured business loan (Suvarna)</li><li>Work in the Area assigned by the Branch Business Manager and generate leads</li><li>Cold Calling to the potential customer base to generate business</li><li>Daily Sales Calls as per the Plan submitted to BBM</li><li>To find, nurture and develop excellent relationship with the Referral Partners / Connectors</li></ul> Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business<ul><li>To give doorstep service to customers – at their residence or office.</li><li>To learn the Organization’s policies, and source files as per the policy.</li><li>To Act as the Eyes &amp; Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager </li><li>To Support the Customers in terms of end -to- end loan processing.</li><li>To act as the Bridge between Customers and the Branch</li><li>To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing.</li><li>To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health &amp; Life.</li><li>To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working.</li><li>Retain existing live loan customers.</li></ul> Knowledge, Skills &amp; Attributes<ul><li>Result Orientation</li><li>Customer Service &amp; Retention Focus</li><li>Strong presentation skills</li><li>Relationship Building &amp; Stake holder Management</li><li>Process Knowledge/ Orientation</li><li>Cross Selling / Upselling Skills</li><li>Business Development</li><li>Communication Skills – Proficiency in local language and English</li></ul> Culture at Muthoot Pappachan GroupWe do everything to gain and maintain the “Trust” of all the stakeholders and don’t do anything to lose their “Trust”. Trust is the overarching “Core Value”, one which, our other values have been built. Our Core Values Integrity<ul><li>Asking oneself before saying, doing or deciding on anything, whether it’s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value</li></ul> Collaboration<ul><li>Genuinely believe &amp; treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks</li></ul> Excellence<ul><li>Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge &amp; ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don’t get settled for less at any cost – display the go getter attitude. Encourage people to stretch in order to achieve excellence</li></ul> Building on the bedrock of Core Values, below are the other key constituents of the “Culture Code”<ul><li>Honesty</li><li>Humility </li><li>Empathy </li><li>Empowerment</li><li>Agility</li><li>Ownership</li><li>Fresh Thinking &amp; Continuous Renewal</li><li>Inclusion</li><li>Work-Life Balance</li></ul> Role RequirementsEducational Qualification – Graduate Experience – At least 2 years’ experience in working in Retail Assets especially Home Loans and Loan Against Property business.   Exposure to Affordable segment preferred.

Senior Relationship Officer

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Senior Relationship Officer