Cluster Credit Manager

CLUSTER CREDIT MANAGER Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Cluster Credit Manager – Secured & Unsecured Lending Business 3 Grade : D2 4 Employment Type : All Employment Type 5 Reporting to – Designation & Grade : State Credit Manager – Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at PAMAC which is Standardized/ central processing centre for All Branches Across India. Primarily leading a set of outsourced credit process staff working out our Vendor PAMAC in Chennai , leading them to process credit proposals send by Branches thru Finn One system. Proactively respond to the business requirements & challenges and support Branch Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of approvals , and Disbursement dockets submitted to Central Operations. Review Branch level/Area level delinquency against policy parameters , delinquencies and NPAs . Analytically capable to set up proper credit parameters in system and lead the credit process into more digitally driven Eco system. To liaison with Gold Loan Branches and Area Managers login quality , training and process initiative implementation. 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. Continuously work on process improvements with PAMAC and Branches . 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 hard work. 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 at least 3 years unsecured Lending experience in small mid ticket loans. Experience in Origination software like Finn one, risk tools like Perfios, Hunter, Karza is desirable. Strong understanding of appraising proposals from Lower & Middle Income MSME Customer Segments 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 small ticket unsecured Business loans preferred. 10 Job Location / State : Chennai /TN. 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Unsecured Lending Credit experience. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -