State Business Manager, Home Loan

About the role

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 Zonal 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 Jan’25 ROLE SUMMARY This role is responsible for driving business growth, managing sales teams, and ensuring timely collections in their assigned region ORGANIZATIONAL CHART Zonal Business Manager State Business Manager 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. Good 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.

What you’ll do

• Drive business growth and develop sales strategies in assigned region
• Lead, motivate and manage a team of Cluster Heads, BBM & FOS to meet targets
• Oversee branch administration and infrastructure
• Ensure compliance with regulatory requirements and manage risk
• Collaborate with internal stakeholders such as Technical, Legal, Audit, Finance, IT and Operations

What you’ll bring

• 10+ years experience in similar industry
• Any graduate or postgraduate
• Sales and home loan expertise
• Knowledge of mortgage loan products and regulations
• Financial and data analysis skills
• Leadership and team management experience
• Ability to drive business growth
• Stakeholder collaboration

Skills