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Muthoot Fincorp Limited

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AREA SALES MANAGER – SCFKey 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

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

CUSTOMER SERVICE EXECUTIVEKey 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

Customer Service Executive

Customer Service Executive <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%">CUSTOMER SERVICE 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%">B1</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-SubDepartment</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 Support</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-C2</td></tr><tr><td valign="top" width="10.19830028328612%">3</td><td valign="top" width="39.94334277620396%">NoOfReportees</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%">To handle day to day business transactions, customer queries and provide eﬀective resolution, ensure quality of business through proper process adherence. Increase the Branch business through business development activities, consistently cross-sells and up-sells and Promotes multiple products and services.</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%">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 Promotes the products and services; consistently cross-sells and Up-sells products at every opportunity. Responsible to handle day to day transactions and valuables. Maintain all data and records related to daily transactions</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(Preferably -BCOM/MCOM )</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)/ Mcom added advantage </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</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%">(a) Ability to Prevent &amp; Solve Problem(b) Logical thinking(c) Result orientation(d) Initiative (e) Creativity and innovation(f) Perseverance(g) Team work and cooperation(h) Flexibility(i) Pleasant and Smart</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%">19</td><td valign="top" width="39.94334277620396%">Remarks</td><td valign="top" width="2.8328611898016995%">:</td><td valign="top" width="47.02549575070822%">Handle day to day Branch Business Transaction and serving walk-in Customers</td></tr></tbody></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>

Branch Sales Officer <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

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

Relationship Officer

SALES MANAGERSales 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>

Sales Manager

CREDIT MANAGER<ul><li>Manage over all  Credit Underwriting process for the respective State or  Multiple States  .</li><li> Portfolio Management , Quality Review on periodical basis.</li><li>Maintain expected service TAT .</li><li>Initiate Training Program on Programs, underwriting skills , customer level. analysis </li></ul>

Credit Manager

RELATIONSHIP OFFICER <table border="0" cellpadding="0" cellspacing="0" width="614"><tbody><tr><td class="xl63" height="39" width="100%">1. Daily Sales Calls as per plan shared by BBM. 2. Generate customer leads. 3. Lead conversion to Sales. 4. Collect relevant data points&amp; documents for credit assessment from the customers.</td></tr></tbody></table>

Gold Inspectors <table border="0" cellpadding="0" cellspacing="0" width="1030"><tbody><tr><td class="xl64" height="460" width="21.844660194174757%">Main Tasks</td><td class="xl66" width="78.15533980582525%">(1) Physical verification of Gold Packets, Cash including Vault Cash and Foreign Currency as to its correctness with the system records. (2) Checking of ornaments as to its quantity, weight, quality and purity taken for pledge during the current gold inspection period. (3) Checking of greater than 5 months gold packets as to its quantity, weight, quality and purity for which gold inspections were done earlier. (4) Verification of Gold Loan pledge/release documents and reporting of anomalies if any observed. (5) Verifying whether the ornaments pledged under all schemes are solid ornaments and LP/SP ornaments are not accepted for pledge under any schemes. (6) Verification and reporting of any overdue gold loans, Low Purity and Spurious accounts are re-pledged or re-pledged under higher rate. (7) Verification of Documents and ornaments/coins for Swarnavarsham/Shwethavarsham Loans disbursed. (8) Verification of all Gold Loan related products/Packets, MSME Packets, Mahilamitra Loan Packets and Chitty Security Packets etc. (9) Conducting Handing over/Taking over of branch as and when required by the Management and sending reports of the same to BAI Dept. (10) Purity Index updation in the system (11) Verification and sealing of auction related packets. (12) Participating in the Gold Auction conducted in various branches as per the instruction from the Department Head (13) Conducting Special Inspection in Selected branches along with Internal Auditors as per instruction from HO Audit. (14) Verification of Bulk Pledge Packets, Balance Transfer Pledges, Doubtful Pledges as per the instruction from HOD. (15) Conducting Gurukul Training and Appraisal training to be given to Branch staff during Gold Inspection. (16) Other Key activities instructed by the Management on Demand.</td></tr><tr><td class="xl64" height="220" width="21.844660194174757%">Areas Of Responsibility</td><td class="xl66" width="78.15533980582525%">(1) Timely Reporting of discrepancies observed from the new &amp; old packets Verification.   (2) Reporting of observations/anomalies which are not rectified by the branch from the earlier inspections. (3) Immediate reporting of spurious ornaments found during the current Gold Inspection. (4) Verifying the each and every release of Gold Ornaments made during the period of inspection as the GI act as Joint Custodian during the period of audit. (5) Sending various reports as required by the BAI Dept. (6) Observing and reporting confidentially any malpractices made by the branch staff. (7) Reporting of acceptance for pledge certain type of ornaments like Cumbum chain, Karimani chain etc instructed not to be accepted for pledge by Management. (8) Verification of Gold Ornaments     pledged by Pawn     Brokers and give instruction to Branches to strictly avoid it &amp;     verification of Gold Packets relating to registered letters     returned.</td></tr><tr><td class="xl64" height="20" width="21.844660194174757%">Special Requirements</td><td class="xl63" width="78.15533980582525%">-</td></tr><tr><td class="xl64" height="20" width="21.844660194174757%">Compensation Band</td><td class="xl63" width="78.15533980582525%">Based on Market Standards/Internal norms</td></tr><tr><td class="xl64" height="20" width="21.844660194174757%">Entitlements</td><td class="xl63" width="78.15533980582525%">As per policy</td></tr><tr><td class="xl64" height="20" width="21.844660194174757%">Stake Holders</td><td class="xl63" width="78.15533980582525%">MFL Staff, Group Company Staff</td></tr><tr><td class="xl64" height="20" width="21.844660194174757%">Assets Required</td><td class="xl63" width="78.15533980582525%">As per policy</td></tr><tr><td class="xl64" height="20" width="21.844660194174757%">Career Progression</td><td class="xl63" width="78.15533980582525%">As per policy</td></tr><tr><td class="xl64" height="20" width="21.844660194174757%">Educational Qualification</td><td class="xl63" width="78.15533980582525%">Minimum Graduation with 2-3 yrs of Gold Appraisal experience Preferred.  Willing to Travel.</td></tr><tr><td class="xl64" height="20" width="21.844660194174757%">Technical Qualification</td><td class="xl63" width="78.15533980582525%">Basic Computer Knowledge, esp.MS Office applications mandatory</td></tr><tr><td class="xl64" height="20" width="21.844660194174757%">Skills</td><td class="xl63" width="78.15533980582525%">-</td></tr><tr><td class="xl64" height="20" width="21.844660194174757%">Communication Skill</td><td class="xl63" width="78.15533980582525%">Conversant in local language &amp; English (proficiency in read, write and speak required)</td></tr></tbody></table>

Gold Loan Manager

BRANCH CREDIT OFFICER- Kotputli1.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

SENIOR BRANCH SALES OFFICERCompany Name – Muthoot Fincorp LimitedJob Title – Sr. Branch Sales Manager, Secured &amp; Unsecured Business Loans Grade – D1Location – 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.

Branch Sales Manager

BRANCH MANAGER - RO SAHA AMBALA <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>

Branch Manager

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