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 ROLE SPECIFICATION Role TitleState Business Manager-Home LoanEmployee Interviewed Reports ToState Business Manager - Home LoanCompanyMuthoot FinCorp LimitedFunction/DepartmentHome Loan-SULBWritten By Approved By (Jobholder) Approved By (Immediate Superior) ROLE SUMMARYThis role is responsible for driving business growth, managing sales teams, and ensuring timely collections in their assigned regionKEY RESPONSIBILITIES Business growth and developmentGenerate high-quality business, analyze market dynamics, and identify opportunities for growth Team ManagementLead, motivate, and manage a team of Cluster Heads ,BBM & FOS to ensure they meet their targets Branch Administration Oversee branch administration and infrastructure. Sales development Develop and execute sales strategies, build relationships with builders, developers, and local authorities, and facilitate smooth sales closure Compliance Ensure compliance with regulatory requirements and implement effective risk management strategies. Stakeholder Engagement Collaborate with Technical, Legal, Audit, Finance, IT and Operations. KEY CHALLENGESTechnology KEY DECISIONS TAKEN With respect to ROI, CBM can approve 0.5% deviationKEY INTERACTIONSInternal StakeholdersExternal Stakeholders CreditLegalTechnicalAuditOperations CustomersDSAExternal Legal teamTEALMAATRUM (legal & technical)KEY ROLE DIMENSIONSGeographical Coverage-No of Direct Reportees-Total Team Size - Portfolio - Cluster (entire state)27-30200 -250350-400 Cr KEY SKILLS & BEHAVIOURAL ATTRIBUTES Strong understanding of the Branch business, & local Geographical Market.Market principles, practices and current business trends.Knowledge of business mortgage loans, products, processes, and regulationsAbility to manage multiple priorities and be able to handle deadlines.Knowledge upgrading on latest regulatory norms.Knowledge in financial analysis & knowledge in data analysis.Good communication and interpersonal skills.Good in collaboration with internal & external partners.Leadership Skills.Attract and retain good talent for key roles through training & mentoring.EDUCATION / EXPERIENCEMinimum Qualification: Any Graduate / postgraduate Nature of Experience: 10+ Years Experience in similar industry. .