01Overview
Role Profile
State Business Manager-Home Loan
Role Profile
Role Title: State Business Manager-Home Loan
Designation: AVP
Function: Sales-Home Loan
Administrative Reporting: Zonal Business Manager-Home Loan
Functional Reporting: Zonal Business Manager-Home Loan
ROLE SPECIFICATION
Role Title
State Business Manager-Home Loan
Employee Interviewed
Reports To
State Business Manager - Home Loan
Company
Muthoot FinCorp Limited
Function/Department
Home Loan-SULB
Written By
Approved By (Jobholder)
Approved By (Immediate Superior)
Date (Written On)
15 Jan25
ROLE SUMMARY
This role is responsible for driving business growth, managing sales teams, and ensuring timely collections in their assigned region
KEY RESPONSIBILITIES
Business growth and development
Generate high-quality business, analyze market dynamics, and identify opportunities for growth
Team Management
Lead, 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 CHALLENGES
- Technology
KEY DECISIONS TAKEN
With respect to ROI, CBM can approve 0.5% deviation
KEY INTERACTIONS
Internal Stakeholders
External Stakeholders
- Credit
- Legal
- Technical
- Audit
- Operations
- Customers
- DSA
- External Legal team
- TEAL
- MAATRUM (legal & technical)
KEY ROLE DIMENSIONS
Geographical Coverage-
No of Direct Reportees-
Total Team Size -
Portfolio -
Cluster (entire south & north- TN)
27-30
200 -250
350-400 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 regulations
- Ability 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.
- Valuable in collaboration with internal & external partners.
- Leadership Skills.
- Attract and retain good talent for key roles through training & mentoring.
EDUCATION / EXPERIENCE
Minimum Qualification: Any Graduate / postgraduate
Nature of Experience: 10+ Years Experience in similar industry. .
