Credit Manager

Job Description

A

Job Specification

1

Company Name

:

Muthoot Fincorp Limited

2

Position / Designation

:

Credit Manager Secured & Unsecured Lending Business

3

Grade

:

4

Employment Type

:

All Employment Type

5

Reporting to

Designation & Grade

:

State Credit Manager Secured & Unsecured Lending Business

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No. of Reportees

Designation & Grade

:

Credit Operations

7

Main Tasks & Areas of Responsibility

:

• End to End Managing of Credit Shop at the Branches assigned
• Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio
• To ensure FIRST TIME RIGHT of Logins at the branches and Disbursement dockets submitted to Central Operations.
• Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well.
• Own & resolve the early mortality delinquencies and NPAs from new sourcing and existing portfolio.
• To understand the competition policies regarding Micro LAP and Affordable Housing suggest improvements in our current policies & products.
• To liaison with Business Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning.
• To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer.
• To Retain existing live loan customers.
• To effectively liaison with law authorities for resolving conflicts if any.
• To Build a Quality and Profitable Loan Portfolio.

8

Skills and Exposure

:

• A result oriented individual with Positive Mental Attitude with Integrity willing to put hardwork.
• Proven ability to Work under Pressure with regard to TAT
• Adherence to laid down credit policies and suggest improvements if any.
• Atleast 5 years experience in underwriting role with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone risk tools like Perfios Hunter Karza.
• Strong understanding of appraising proposals from Lower & Middle Income Customer Segments having worked in similar role in an Affordable Housing or NBFC with minimum 2 years of similar exposure.

• Excellent interpersonal and verbal communication skills

• Ability to Work & Deliver business targets under pressure

• Working knowledge of Collections/ Recoveries.

• Be Accountable for Portfolio Quality of the Location.

9

Special Requirements (If any)

:

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

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Job Location / State

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

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Compensation Band

:

As per policy

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Entitlements

:

As per policy

13

Stake Holders

:

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

B

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Educational Qualification / Technical Certification

:

Any UG/PG or MBA

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Skill Sets

:

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

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Communication Skills

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Good oral written and presentation skills

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Experience

:

5 years of overall experience

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Behavioral Competencies

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Uncompromising ethical standards and discipline expected

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Other Requirements (If any)

:

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