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Muthoot Fincorp Limited

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State Business Manager - Home loan Role Profile State Business Manager-Home Loan Role Profile Role Title: State Business Manager-Home LoanDesignation: AVPFunction: Sales-Home LoanAdministrative Reporting: Zonal Business Manager-Home LoanFunctional Reporting: Zonal Business Manager-Home Loan  <div>ROLE SPECIFICATION                                                                                                                                                                             </div><table border="1" cellpadding="0" cellspacing="0" width="635"><tbody><tr><td valign="top" width="35.33123028391167%">Role Title</td><td valign="top" width="64.66876971608833%">State Business Manager-Home Loan</td></tr><tr><td valign="top" width="35.33123028391167%">Employee Interviewed</td><td valign="top" width="64.66876971608833%"> </td></tr><tr><td valign="top" width="35.33123028391167%">Reports To</td><td valign="top" width="64.66876971608833%">Zonal Business Manager-Home Loan</td></tr><tr><td valign="top" width="35.33123028391167%">Company</td><td valign="top" width="64.66876971608833%">Muthoot FinCorp Limited</td></tr><tr><td valign="top" width="35.33123028391167%">Function/Department</td><td valign="top" width="64.66876971608833%">Home Loan-SULB</td></tr><tr><td valign="top" width="35.33123028391167%">Written By</td><td valign="top" width="64.66876971608833%"> </td></tr><tr><td valign="top" width="35.33123028391167%">Approved By (Jobholder)</td><td valign="top" width="64.66876971608833%"> </td></tr><tr><td valign="top" width="35.33123028391167%">Approved By (Immediate Superior)</td><td valign="top" width="64.66876971608833%"> </td></tr><tr><td valign="top" width="35.33123028391167%">Date (Written On)</td><td valign="top" width="64.66876971608833%">15 Jan’25</td></tr></tbody></table> <div>      ROLE SUMMARY</div>  This role is responsible for driving business growth, managing sales teams, and ensuring timely collections in their assigned region <div>ORGANIZATIONAL CHART</div> <table cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td><div>Zonal Business Manager </div></td></tr></tbody></table><table cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td><div>State Business Manager </div></td></tr></tbody></table>            <div>KEY RESPONSIBILITIES </div><table border="0" cellpadding="0" cellspacing="0" width="655"><tbody><tr><td width="33.89312977099237%">Business growth and development</td><td width="66.10687022900764%">Generate high-quality business, analyze market dynamics, and identify opportunities for growth </td></tr><tr><td width="33.89312977099237%">Team Management</td><td width="66.10687022900764%">Lead, motivate, and manage a team of Cluster Heads ,BBM &amp; FOS to ensure they meet their targets</td></tr><tr><td valign="top" width="33.89312977099237%"> Branch Administration </td><td width="66.10687022900764%">Oversee branch administration and infrastructure.</td></tr><tr><td valign="top" width="33.89312977099237%"> Sales development</td><td width="66.10687022900764%"> Develop and execute sales strategies, build relationships with builders, developers, and local authorities, and facilitate smooth sales closure </td></tr><tr><td valign="top" width="33.89312977099237%"> Compliance</td><td width="66.10687022900764%"> Ensure compliance with regulatory requirements and implement effective risk management strategies. </td></tr><tr><td width="33.89312977099237%">Stakeholder Engagement</td><td width="66.10687022900764%"> Collaborate with Technical, Legal, Audit, Finance, IT     and Operations. </td></tr></tbody></table>  <div>KEY CHALLENGES</div><ul><li>Technology</li></ul>  <div>KEY DECISIONS TAKEN </div> With respect to ROI, CBM can approve 0.5% deviation <div>KEY INTERACTIONS</div><table border="1" cellpadding="0" cellspacing="0" width="634"><tbody><tr><td width="50%">Internal Stakeholders</td><td width="50%">External Stakeholders</td></tr><tr><td valign="top" width="50%"> <ul><li>Credit</li><li>Legal</li><li>Technical</li><li>Audit</li><li>Operations</li></ul>   </td><td valign="top" width="50%"> <ul><li>Customers</li><li>DSA</li><li>External Legal team</li><li>TEAL</li><li>MAATRUM (legal &amp; technical)</li></ul></td></tr></tbody></table><div> KEY ROLE DIMENSIONS</div><table border="1" cellpadding="0" cellspacing="0" width="635"><tbody><tr><td valign="top" width="50%">Geographical Coverage-No of Direct Reportees-Total Team Size - Portfolio -     </td><td valign="top" width="50%">Cluster (entire south &amp; north- TN)27-30200 -250350-400 Cr</td></tr></tbody></table> <div>KEY SKILLS &amp; BEHAVIOURAL ATTRIBUTES </div><ul><li>Strong understanding of the Branch business, &amp; local Geographical Market.</li><li>Market principles, practices and current business trends.</li><li>Knowledge of business mortgage loans, products, processes, and regulations</li><li>Ability to manage multiple priorities and be able to handle deadlines.</li><li>Knowledge upgrading on latest regulatory norms.</li><li>Knowledge in financial analysis &amp; knowledge in data analysis.</li><li>Good communication and interpersonal skills.</li><li>Good in collaboration with internal &amp; external partners.</li><li>Leadership Skills.</li><li>Attract and retain good talent for key roles through training &amp; mentoring.</li></ul> <div>EDUCATION / EXPERIENCE</div>Minimum Qualification: Any Graduate / postgraduate Nature of Experience: 10+ Years Experience in similar industry.

Assistant Business Manager

MANAGER - INTERNAL AUDIT & QUALITY ASSURANCETo Conduct internal Audit in all MFL Branches as per the program given from the Department. The job involves extensive traveling and confidentiality is to be maintained very strictly. Verification of Documents of Fixed Deposits/Secured Debentures and their interest payments Verification of Documents of Secured Loans/Part Withdrawals and theirinterest receipts Verification of Bank transactions and utilization of Cheque Verification of Gold Loan Notice Documents and utilization of stamps Verification Leave records and other Statutory records of Staff maintained by the branch Verification of Salary payment records of staff and recovery of excess payments, if any made Verification of Incentive payment records under various schemes to staff and recovery of excess payments, if any Verification of Reconciliation statements of HO/RO Accounts Verification of Gold Loan Documents i.e. Pledge &amp; Release Documents Verification of Documents of Swarna varsham Loans disbursed Verification of various Daily, Weekly &amp; Monthly Statements of Branch Vouching of various Receipts &amp;Payments of Branch with Day Book Verification of authorization of various payments and Reporting of any unauthorized payments for which ex post facto approval is required Verification of Western Union money transfer documents Verification of Auction Documents Verification of various Registers/Records/Files to be maintained by the Branch as per the standing instructions and as per circulars issued from time to time.

Quality Control Manager

RELATIONSHIP MANAGER Key Job ResponsibilitiesDeliver 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

Senior Relationship Officer

STATE RCU MANAGER - SULBJob Title – State RCU ManagerLocation – TAMILNADUReports to – Head of RCU Key Job Responsibilities  State RCU Manager for SULB Business:– LAP, Micro LAP,SBL,EDI, Suvarna Loans,Vyapar Mitra,Pharma Mitra,Nirman Mitra <ol start="1" type="1"><li>Proven ability in fraud prevention/detection, identification on weeding out bad application, investigation of causes of risk incident/fraud and measures to prevent them.</li><li>Exposure to digital sampling / team handling / Vendor Management/ Reporting Fraud/incident reports to internal and external stakeholders</li><li>Investigation of fraud cases – Pre-Disbursal and Post Disbursal.</li><li>To monitor the performance of the vendors monthly and advise the management regarding the same.</li><li>Travel across Kerala branches to make sure the branch is functioning properly.</li><li>Identification of cash misappropriation, process lapse, cheating and forgery and other fraudulent activities executed by staff, customer and outsider.</li><li>To create a depository on the historical audits scorecards and fraud summary and create a trend based on the risk framework and make sure that the business is running without any process or system gaps.</li><li>Interacting with the business, internal people across department to identify if there any frauds or risk.</li><li>To validate the risk register and provide recommendations if all the risks are covered in the risk register based on the market trends and business.</li><li>To monitor if the controls maintained in the risk register are functioning properly.</li><li>To provide recommendations for the investigations carried based on whistle blowers.</li><li>Prepare fraud monitoring report for the frauds identified and investigated.</li><li>Proven recovery measures – relevant branch/employees/hierarchy or external collections / skip tracing agencies/bureau alerts etc</li><li>Drive recovery targets with the stakeholders</li><li>Demonstrated ability to deploy and implement relevant fraud detection tools – be it pre-disbursement / post-disbursement/police / legal measures</li><li>Experienced, Used and Implemented various Technology tools, including Hunter/Karza/Crime Check, AI / ML for fraud control and prevention, detection and resolutions.</li><li>Engagement capability with markets/field teams to identify control weaknesses and work with relevant teams to fix them</li><li>Conduct mystery shopping to validate the efficacy of process adherence/controls/gaps and address them.</li><li>Demonstrated ability to develop and successfully run RCU function and practice.</li></ol> Experience:  4-10 years experience. Education: Any Graduate, Post Graduate, CA or MBA

Risk Officer

SR RELATIONSHIP OFFICER<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%">Relationship 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%">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%">Individual Role</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>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><li>To Activate Referral Partners for new business</li><li>To give doorstep service to customers – at their residence or office.</li><li>To learn the Organisation’s policies, and source files as per the policy.</li><li>To Act as the Eyes &amp; Ears of the Organisation while working in the Market for new opportunities, competition 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> </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> </li></ul>Atleast 5 years experience in working in Retail Assets especially Home Loans and Loan Against Property business.  Exposure to Affordable segment preferred. <ul><li> Excellent interpersonal and verbal communication skills</li></ul> <ul><li>Be a Go – Getter.</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%"> Working 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 Branch, State, Zonal 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 Graduation / Plus 2 with relevant experience of more than 5 years in Home Loans / Affordable Mortgages Market.</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 Sales &amp; distribution</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 preferred in Mortgages industry, with atleast 2 years in Affordable segment preferred.</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>

Relationship Manager

SENIOR SPECIALIST - INSURANCEROLE SPECIFICATION                                                                                                                          <table border="1" cellpadding="0" cellspacing="0" width="635"><tbody><tr><td valign="top" width="35.33123028391167%">Role Title</td><td valign="top" width="64.66876971608833%"> SENIOR SPECIALIST - INSURANCE</td></tr><tr><td valign="top" width="35.33123028391167%">Employee Interviewed</td><td valign="top" width="64.66876971608833%"> </td></tr><tr><td valign="top" width="35.33123028391167%">Reports To</td><td valign="top" width="64.66876971608833%"> INSURANCE LEAD</td></tr><tr><td valign="top" width="35.33123028391167%">Company</td><td valign="top" width="64.66876971608833%"> MUTHOOT FINCORP LTD.</td></tr><tr><td valign="top" width="35.33123028391167%">Function/Department</td><td valign="top" width="64.66876971608833%">INSURANCE </td></tr><tr><td valign="top" width="35.33123028391167%">Written By</td><td valign="top" width="64.66876971608833%"> </td></tr><tr><td valign="top" width="35.33123028391167%">Approved By (People &amp; Culture)</td><td valign="top" width="64.66876971608833%"> </td></tr><tr><td valign="top" width="35.33123028391167%">Approved By (Functional Head)</td><td valign="top" width="64.66876971608833%"> </td></tr><tr><td valign="top" width="35.33123028391167%">Date (Written On)</td><td valign="top" width="64.66876971608833%"> </td></tr></tbody></table> ROLE SUMMARYORGANIZATIONAL CHART<table cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td>)</td></tr></tbody></table><table cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td> </td></tr></tbody></table><table cellpadding="0" cellspacing="0" width="100%"><tbody><tr><td> </td></tr></tbody></table> KEY RESPONSIBILITIES<table border="1" cellpadding="0" cellspacing="0" width="634"><tbody><tr><td width="28.391167192429023%">Reconciliation and Disbursement Management</td><td width="71.60883280757098%"><ul><li>Responsible for daily/weekly Reconciliation of disbursement, Premium, Refunds and settlements report with partner institution to ensure accuracy and completeness. </li><li>Maintain and verify, disbursements MIS, ensuring timely identification and resolution of discrepancies.</li><li>Liaise with internal finance and operation teams to close reconciliation gapr and prepare periodic reconciliation statement.</li><li>Generate, analyse and circulate partner wise disbursement and reconciliation reports for management review.</li></ul> </td></tr><tr><td width="28.391167192429023%">Operations &amp; Policy Administration</td><td valign="top" width="71.60883280757098%"> <ul><li>Coordinate with branch teams, sales managers, and credit officers to support insurance distribution. </li></ul> <ul><li>Conduct product training sessions for frontline sales teams to enhance insurance knowledge and selling skills. </li></ul> </td></tr><tr><td width="28.391167192429023%">Collaborate with cross functional teams</td><td valign="top" width="71.60883280757098%"><ul><li>Manage policy issuance, endorsements for insurance products with Insurance Partners.</li></ul> <ul><li>Ensure smooth claim intimation and settlement for customers, acting as a liaison between branch and Insurer.</li></ul> <ul><li>Monitor operational SLAs and TATs with insurance partners to ensure service quality.</li></ul> </td></tr><tr><td valign="top" width="28.391167192429023%">Compliance &amp; Regulatory</td><td valign="top" width="71.60883280757098%"><ul><li>Ensure full compliance with IRDAI guidelines, RBI regulations.</li></ul> <ul><li>Support audits and inspections by regulatory authorities.</li></ul> <ul><li>Maintain records of policies, commissions, and customer communications in line with compliance requirements.</li></ul> </td></tr><tr><td valign="top" width="28.391167192429023%">Reporting &amp; Analytics</td><td valign="top" width="71.60883280757098%"><ul><li>Prepare regular MIS and dashboards on insurance business performance (sales,  commissions, profitability).</li><li> </li></ul></td></tr></tbody></table> KEY ROLE DIMENSIONS<table border="1" cellpadding="0" cellspacing="0" width="635"><tbody><tr><td valign="top" width="100%">Geographical Coverage: PAN No. of direct reports: Nil </td></tr></tbody></table> KEY SKILLS &amp; BEHAVIOURAL ATTRIBUTES <ul><li>·         Process Accuracy: High accuracy in policy administration and claims processing.</li><li>·         Quality Assurance: Consistent quality in backend operations.</li><li>·         Process Improvement: Implementation of process improvements.</li><li>Compliance: Adherence to regulatory requirements and company policies. </li><li>·         Strong analytical and problem-solving skills.</li><li>·         Attention to detail and organizational skills.</li><li>Excellent communication and interpersonal skills</li></ul> EDUCATION / EXPERIENCE<ul><li>·         7-10 years in insurance operations, backend processing, or related field.</li><li>·         Bachelor's degree in any discipline; insurance-related certifications beneficial.</li></ul>

Senior Insurance Associate

INFORMATION SECURITY AUDITOR ROLE SPECIFICATION  Role Title Information Security Auditor Employee Interviewed Reports To Head – Information Security Audit &amp; Compliance Company Muthoot Fincorp Limited Function/Department MFL One Location Bengaluru Written By Sabarinath Menon (Lead – Center of Excellence | People &amp; Culture) Approved By (Functional Head) Date (Written On) November 2024 ROLE SUMMARY (PURPOSE) The Information Security Auditor at Muthoot Fincorp Limited (MFL), assesses and evaluates our information systems, data protection protocols, and cybersecurity measures to ensure compliance with regulatory requirements, internal policies, and industry best practices. This role involves identifying vulnerabilities, providing recommendations for security improvements, and helping to safeguard company data and systems from potential security breaches. ORGANIZATIONAL CHART KEY RESPONSIBILITIES ▪ Perform regular internal and external audits to assess compliance with security policies, standards, and controls. Review IT infrastructure, applications, networks, and data protection practices. ▪ Identify vulnerabilities and assess risks associated with information systems and recommend corrective actions to reduce risk and improve security. ▪ Prepare detailed audit reports, outlining findings, non-compliance issues, and risk assessments, and present findings to senior management and provide actionable recommendations. ▪ Develop and execute comprehensive internal audit plans to assess the effectiveness of risk management, control, and governance processes within the organization ▪ Evaluate the adequacy of cloud security controls which includes but not limited to access management, data encryption, and incident response procedures. ▪ Conduct audits based on cloud security controls, specifically AWS and OCI.  ▪ Provide recommendations, suggestions to improve security posture of the cloud hosted infrastructure. ▪ Ensure ongoing compliance with relevant industry standards (e.g., ISO 27001, DPDPA). Additionally collaborate with teams to maintain compliance with regulatory requirements (e.g., GDPR, HIPAA). ▪ Offer insights and guidance on security policies, access controls, data protection, and risk management strategies. KEY INTERACTIONS Internal Stakeholders External Stakeholders ▪ IT and Cybersecurity Teams: Work closely on implementing recommendations and ensuring secure IT operations. ▪ Compliance Officers: Collaborate to maintain adherence to internal policies and external regulations. ▪ Senior Management: Provide audit findings and suggest improvements to executive leadership. ▪ HR and Legal Departments: Engage for policy alignment and regulatory compliance. ▪ Third-Party Vendors: Conduct security assessments of vendors and ensure they comply with data protection requirements. ▪ Regulatory Authorities: Maintain compliance with relevant industry and government standards. ▪ External Auditors: Coordinate joint assessments or external audits as necessary. KEY ROLE DIMENSIONS ▪ This is a Pan India Individual Contribution role, which requires continuous communication, mostly with senior leaders, compliance and technology team KEY SKILLS &amp; BEHAVIOURAL ATTRIBUTES ▪ Proficiency in cybersecurity frameworks, network security, vulnerability management, and information systems auditing. ▪ Strong understanding of risk assessment methodologies and the ability to identify and prioritize vulnerabilities. ▪ Broad knowledge of cloud computing platforms like AWS, Azure and GCP, and various cloud security controls. ▪ Strong understanding of cloud security frameworks and standards, such as CIS Controls, NIST Cybersecurity Framework, and ISO 27001. ▪ Precision in auditing, documentation, and compliance monitoring. ▪ Behavioral Attributes- Driven and in alignment with our Purpose “Transforming the life of the common man by improving their financial well-being” and anchored by our core value of integrity, collaboration, and excellence. EDUCATION / EXPERIENCE ▪ Minimum Qualification: Bachelor’s degree in information technology, Engineering, Computer Science, Cybersecurity, or a related field. However, a Master’s degree in Cybersecurity, Information Assurance, or a similar discipline is desirable for this role. ▪ Nature of Experience: Minimum of 6 years of experience in internal auditing, with a strong focus on IT audit, security and third-party audits. ▪ Additional Certifications - Certified Information Systems Auditor (CISA), Certified Information Systems Security Professional (CISSP) is mandatory ▪ Certified Information Security Manager (CISM), ISO 27001 Lead Auditor, Certified Ethical Hacker (CEH) are also preferred.

Sap Security Analyst

PROGRAM MANAGER - LEAD MANAGEMENT1. Will be responsible for handling the Lead Management Channel2. Will include hiring of dedicated ROs for each PC and will work with SBMs and HR to ensure hiring is completed within the stipulated timelines 3. ⁠Driving the requisite productivity from the hired FOs basis vintage will be the key deliverable for business4. ⁠Will be working on leads originated from external aggregators and strategic alliance partners5. ⁠Base to conversion and FO productivity will be the key deliverables in line to scaling up the channel 6. ⁠Build , nurture and being consistent on productivity will be the KPI for the role

Program Manager

ZONAL LEGAL MANAGER<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%">    Zonal Legal 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%">SM1- (90)</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%"> National Legal Lead – 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%">Drafting and vetting of transaction documents<ul><li>Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions.</li><li>Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers.</li><li>Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too</li><li>To oversee external counsel/subject matter experts in connection with documentation for the zone.</li></ul>Set up and administer efficient systems and processes towards legal risk management<ul><li>To anticipate and guard against legal and regulatory risks facing ARCs business</li><li>To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc.</li><li>To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc.</li><li>To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place</li><li>To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications</li></ul>Dispute Resolution<ul><li>To set-up efficient dispute resolution strategy.</li><li>Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel.</li><li>To closely co-ordinate with lawyers on various forms of dispute resolution</li><li>To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc.</li></ul>General Support<ul><li>To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc.</li><li>To provide opinion/ advise on any day to day/ legal issue.</li></ul>To focus on skill enhancement &amp; team development<ul><li>Periodically conduct sessions/ seminars on concerned legal and regulatory subjects.</li><li>Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents</li><li>To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business.</li></ul>Compliance<ul><li>To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings.</li><li>To monitor and report on developments in compliance and regulatory arena.</li><li>To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations</li><li>To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues.</li><li>Oversee regulatory examinations, inquiries and other data requests.</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%"> </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%">Any where in India</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 business heads</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%">LLB in Any Specialization</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 SULB business</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%"> 15+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>

Legal Manager

AREA SALES MANAGERASM – 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>

Area Sales Manager

SENIOR 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

AREA CREDIT MANAGER<ul><li>Co ordination with Collection and Sales Team for Delinquency Management .</li><li>Co ordination with Central Ops team and internal audit team to ensure process, policy adherence is implemented and audit observations are rectifies and complied.</li><li>Ensure effective utilization of System reports for various analysis pertaining to product, credit parameters.</li></ul>Manager third Party Vendors , verification agencies for   various types of  verification .

Area Credit Manager

ZONAL CREDIT MANAGERJob Profiles:-Zonal Credit Managers<ul><li>Management &amp; Maintenance of the quality of the Credit Portfolio from Origination to Collections in the zone</li><li>End to End Accountability at the Pre-sanction phase of the loan, and part of the loan life cycle post disbursement in case of delinquency across the zone</li><li>Highly Specialized role – By nature of Interactions with Key Stakeholders by striking a balance between Quality &amp; Growth of the Portfolio.</li><li>Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment &amp; mitigation thereof.</li><li>Aim to optimize Credit Risk management to facilitate the business expansion plans on zonal level</li><li>To be Technologically savvy to employ tools such as Automation &amp; Digitization to increase process efficiency</li><li>Conduct detailed analysis of delinquencies and recommend changes to the product teams</li><li>Ensure the successful adoption of internal compliances, regulatory framework across the business.</li><li>Coordinate with internal audit and regulatory audit regarding their various requirements.</li><li>Collaborate with Collections to drive down the net credit loss &amp; delinquency metrics.</li><li>Review and approve credit proposals given.</li><li>Responsible for ensuring sound understanding of credit policy across all relevant levels.</li><li>Product knowledge at market level and market segmentation is necessary.</li></ul>

Zonal Head

CO LENDING OPERATIONSPosition OverviewAs a key member of our leadership team, you will be responsible for overseeing and optimizing the end-to-end operational processes related to co-lending activities, both in the secured and unsecured lending segments. This role involves ensuring operational efficiency, compliance, and seamless collaboration with co-lending partners and other stakeholders. Key Responsibilities:<ol><li>Operational Strategy:<ol><li>Develop and implement a strategic plan for co-lending operations that aligns with the company's overall business goals and regulatory requirements.</li><li>Continuously assess and improve operational processes to enhance efficiency and scalability.</li></ol></li><li>Team Leadership:<ol><li>Recruit, train, and lead a high-performing co-lending operations team.</li><li>Set clear performance objectives, provide guidance, and conduct performance evaluations.</li><li>Foster a culture of collaboration, accountability, and continuous improvement</li></ol></li></ol>within the team.<ol><li>Process Optimization:<ol><li>Streamline and standardize co-lending processes to ensure consistency and compliance with internal policies and regulatory guidelines.</li><li>Identify opportunities for automation and technology enhancements to improve operational efficiency.</li></ol></li><li>Partnership Collaboration:<ol><li>Collaborate closely with co-lending partners, fintechs, and other stakeholders to ensure seamless operations.</li><li>Establish and maintain strong working relationships with partners to resolve operational issues and drive process improvements.</li></ol></li><li>Risk Management:<ol><li>Work in conjunction with the risk and compliance teams to monitor and manage operational risks associated with co-lending activities.</li><li>Implement robust risk assessment and mitigation strategies.</li></ol></li><li>Quality Control and Compliance:<ol><li>Ensure that co-lending operations adhere to all relevant regulatory requirements, including KYC (Know Your Customer) and AML (Anti-Money Laundering) standards.</li><li>Conduct regular audits and reviews to maintain a high level of operational quality and compliance.</li></ol></li><li>Reporting and Analytics:<ol><li>Establish key performance indicators (KPIs) and develop reporting mechanisms to monitor and report on operational performance.</li><li>Use data and analytics to make informed decisions and drive operational improvements.</li></ol></li></ol>Qualifications:<ol><li>Bachelor's degree in Business, Finance, or a related field (MBA preferred).</li><li>At least 14 years of experience in operations leadership roles within the financial services industry, with a strong background in co-lending.</li><li>Proven track record of optimizing operational processes and achieving efficiency gains.</li><li>Excellent knowledge of regulatory compliance in lending operations.</li><li>Strong leadership and communication skills.</li><li>Analytical mindset with the ability to solve complex operational challenges.</li></ol>

Credit Operations Manager

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