National Credit Head

5 days ago

ANNA SALAI CHENNAI, India Muthoot Fincorp Limited Full time ₹ 12,00,000 - ₹ 36,00,000 per year

NATIONAL CREDIT HEAD

Job Description

A

Job Specification

1

Company Name

:

Muthoot Fincorp Limited

2

Position / Designation

:

National Credit Head – Secured & Unsecured Lending Business

3

Grade

:

DVP II

4

Employment Type

:

All Employment Type

5

Reporting to –

Designation & Grade

:

Business Head – Secured & Unsecured Lending Business

6

No. of Reportees,

Designation & Grade

:


7

Main Tasks & Areas of Responsibility

:

  • Formulation of Underwriting Policies, Process & Programs, infrastructure, development, and deployment of underwriting models benchmarked to Competition with an edge.
  • Management & Maintenance of the quality of the Credit Portfolio from Origination to Collections
  • End to End Accountability at the Pre-sanction phase of the loan, and part of the loan life cycle post disbursement in case of delinquency.
  • Prepare Risk & Credit Decks on Monthly basis.
  • Highly Specialized role – By nature of Interactions with Key Stakeholders by striking a balance between Quality & Growth of the Portfolio.
  • Develop and maintain credit risk strategy and policy by continuous analysis of business and collection trends, risk assessment & mitigation thereof.
  • To be a Business Enabler.
  • Aim to optimize Credit Risk management to facilitate the business expansion plans.
  • Liaison with Product Head to contribute to the design of new products and advise on roll out of other products
  • To be Technologically savvy to employ tools such as Automation & Digitization to increase process efficiency
  • Conduct detailed analysis of delinquencies and recommend changes to the product teams
  • Ensure the successful adoption of internal compliances, regulatory framework across the business.
  • Coordinate with internal audit and regulatory audit regarding their various requirements.
  • Collaborate with Collections to drive down the net credit loss & delinquency metrics.
  • Review and approve credit proposals given.
  • Responsible for ensuring sound understanding of credit policy across all relevant levels.
  • Product knowledge at market level and market segmentation is necessary.
  • Guidance to SME teams at Central, Zone and States.

8

Skills and Exposure

:

  1. Leadership Skills
  2. Strategic Planning
  3. Analytical Ability
  4. Credit Underwriting
  5. Policy & Product implementation
  6. Training & Mentoring
  7. Attract and retain best in class talent for key roles.
  8. Drive Cooperation with the credit, technology, analytics, business and risk teams to ensure smooth functioning of business
  9. Partner with Product & Policy team to bring out innovative products & to take inputs from Collections team to heal the portfolio by tweaking the policies for new sourcing.

9

Special Requirements (If any)

:

Experience in handling a similar role in a NBFC/HFC at National role handling Micro LAP, LAP and Secured lending.

10

Job Location / State

:

Chennai

11

Compensation Band

:

As per policy

12

Entitlements

:

As per policy

13

Stake Holders

:

Internal – CMD, CHRO, Other HODs, Subordinates withing Departments,

External – Vendors, External Auditors, Regulatory authorities, Merchant Bankers, Investors, Credit Bureaus, and Rating Agencies.

B

15

Educational Qualification / Technical Certification

:

CA, MBA (Finance)

16

Skill Sets

:

17

Communication Skills

:

Good oral, written and presentation skills

18

Experience

:

15 years of overall experience

19

Behavioral Competencies

:

Uncompromising ethical standards and discipline expected

20

Other Requirements (If any)

:

-

  • National Credit Head

    18 hours ago

    TAMIL NADU, S, CORPORATE OFFICE, ANNA SALAI - CHENNAI, CORPORATE OFFICE - TN NORTH, NA, India Muthoot Fincorp Full time ₹ 20,00,000 - ₹ 25,00,000 per year

    Job DescriptionA  Job Specification1Company Name:Muthoot Fincorp Limited2Position / Designation:National Credit Head – Secured & Unsecured Lending Business3Grade:DVP II4Employment Type:All Employment Type5Reporting to – Designation & Grade:Business Head – Secured & Unsecured Lending Business 6No. of Reportees,Designation & Grade:7Main Tasks & Areas...

  • National Collection Head

    5 days ago

    Anna Salai - Chennai, India Muthoot Fincorp Limited Full time ₹ 6,00,000 - ₹ 18,00,000 per year

    National Collections Head Company Name – Muthoot Fincorp Limited Job Title – National Collection Head - Secured & Unsecured Lending Business Grade – F1/F2/F3 Designation – Location – Chennai, Tamil Nadu Reports to – Head, Secured & Unsecured Lending Business Span Of Control – Muthoot Pappachan Group Brand Purpose To...

  • National Sales Head

    5 days ago

    ANNA SALAI - CHENNAI, India Muthoot Fincorp Limited Full time ₹ 15,00,000 - ₹ 25,00,000 per year

    National Sales Head - Supply Chain Finance ROLE SPECIFICATION Role Title National Sales Head - Supply Chain Finance Employee Interviewed Reports To Head – Secured & Unsecured Lending Business Company Muthoot Fincorp Limited Function/Department SULB/Supply Chain Finance (SCF) Location Chennai Written By People & Culture Center of Excellence Approved By...

  • National Sales Head

    4 days ago

    ANNA SALAI - CHENNAI, India Muthoot Fincorp Limited Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    NATIONAL SALES HEAD - HOME LOANS Areas of Responsibility : *Oversee the development of the secured & unsecured division including delivery on portfolio targets and quality parameters. * Hire and lead a high performing team. * Implement and lead a continuous quality improvement process, focusing on systems and process development. * Create a culture that...

  • Head of Credit

    16 hours ago

    Greater Chennai Area, India Kwan Ventures Full time ₹ 25,00,000 - ₹ 50,00,000 per year

    About the RoleThe Head of Credit will lead credit, underwriting, and portfolio risk management for the organization. The role is responsible for defining credit frameworks, ensuring asset quality, and enabling business growth through prudent credit practices.This leader will manage zonal and regional credit teams, partner with Business, Collections, and...

  • Collection Head

    1 week ago

    ANNA SALAI - CHENNAI, India Muthoot Fincorp Limited Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    COLLECTION HEAD - SULB Company Name – Muthoot Fincorp Limited Job Title – Collection Head - Secured & Unsecured Lending Business Grade – EM1 Designation – SENIOR VICE PRESIDENT Location – Chennai, Tamil Nadu Reports to – CBO - Secured & Unsecured Lending Business Muthoot Pappachan Group Brand Purpose: To transform the life of the...

  • National Technical Head

    10 hours ago

    NA, TAMIL NADU, CORPORATE OFFICE - TN NORTH, ANNA SALAI - CHENNAI, CORPORATE OFFICE, S, India Muthoot Fincorp Full time ₹ 12,00,000 - ₹ 36,00,000 per year

    Company Name – Muthoot Fincorp LimitedJob Title – National Technical Head – Secured & Unsecured Lending BusinessGrade – SM4Designation – DVPLocation – ChennaiReports to – National Credit Head – Secured & Unsecured Lending BusinessSpan Of Control – NAJob Purpose Key Job Responsibilities Key Result Areas and Supporting Actions Providing...

  • National Sales Head

    13 hours ago

    Chennai, Tamil Nadu, India Cuatro Labs Full time ₹ 20,00,000 - ₹ 25,00,000 per year

    Company DescriptionCuatrolabs Pvt. Ltd. | Crafted Engineered FormulatedRole DescriptionThis is a full-time on-site role for a National Sales Head located in Chennai. The National Sales Head will be responsible for developing business plans, overseeing and managing sales teams, driving channel sales, and executing sales and marketing strategies. Day-to-day...

  • National Sales Head

    12 hours ago

    S, NA, TAMIL NADU, CORPORATE OFFICE, ANNA SALAI - CHENNAI, CORPORATE OFFICE - TN NORTH, India Muthoot Fincorp Full time ₹ 1,00,00,000 - ₹ 2,00,00,000 per year

    ROLE SPECIFICATION Role TitleNational Sales Head - Supply Chain FinanceEmployee InterviewedReports ToHead – Secured & Unsecured Lending BusinessCompanyMuthoot Fincorp LimitedFunction/DepartmentSULB/Supply Chain Finance (SCF)LocationChennaiWritten By   People & Culture Center of ExcellenceApproved By (Functional)Head – Secured and Unsecured Lending...

  • Area Business Head

    4 weeks ago

    Chennai, Tamil Nadu, India Skywings Advisors Full time

    The Area Business Head Credit Life will be responsible for driving business performance and growth for Credit Life insurance products across a designated geographic area The role involves managing key partner relationships especially with banks NBFCs MFIs leading a team of sales professionals ensuring compliance and delivering exceptional customer service...