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Zonal Lead CD

Muthoot Fincorp

Job Location:

Vijayawada - India

Yearly Salary: INR 1 - 6

Posted: 29 September 2026 (2 days ago)

Application Deadline: 27 December 2026

Vacancies: 1 Vacancy

Job Summary

ROLE SPECIFICATION

Role Title	Zonal Lead- Consumer Durable Loans
Employee Interviewed
Reports To	Business Head - Consumer Durable Loans
Company	Muthoot Fincorp Limited
Function/Department
Location	Pan India
Written By	HEAD- Compensation & Benefit
Approved By (Functional)
Approved By (People & Culture)
Date (Written On)	Aug 04 2026

ROLE SUMMARY (PURPOSE)

As a Zonal Lead Consumer Durable Loans at Muthoot Fincorp Limited the incumbent will be responsible for leading managing and driving the growth of the Consumer Durable Loans business across the assigned zone. The role involves developing and executing business strategies to achieve sourcing disbursement profitability and portfolio quality objectives through effective management of Area Leads branch networks and dealer partners. The incumbent will be responsible for expanding the dealer ecosystem strengthening partner relationships identifying market opportunities and ensuring consistent business growth across the zone. The role requires close collaboration with cross-functional teams to enhance operational efficiency ensure compliance with organizational policies and deliver a superior experience to dealers and customers while driving sustainable and profitable business growth.

ORGANIZATIONAL CHART

KEY RESPONSIBILITIES

Business Growth & Performance Management	Drive business growth across the assigned zone through branches dealers distributors and channel partners. Develop and execute zonal business strategies to achieve sourcing disbursement profitability and market penetration targets. Monitor business performance across all areas and ensure timely interventions to address productivity gaps. Drive achievement of monthly quarterly and annual business objectives.
Dealer & Partner Network Management	Oversee dealer empanelment activation engagement and productivity across the zone. Ensure expansion of the dealer ecosystem through onboarding of new Consumer Durable (CD) dealers and channel partners. Build and maintain strong relationships with key dealers distributors OEMs and strategic business partners. Monitor partner performance and implement initiatives to improve dealer productivity and business contribution.
Area Leadership & Team Management	Lead mentor and support Area Leads in achieving business productivity and portfolio quality objectives. Ensure effective training capability building and engagement of Area Leads and branch teams. Conduct periodic business reviews and performance discussions to drive accountability and results. Foster a high-performance culture focused on customer acquisition business growth and operational excellence.
Sales Funnel & Disbursement Management	Monitor branch-wise and area-wise sourcing login sanction and disbursement pipelines. Drive daily business reviews to ensure consistent sourcing and disbursement momentum across the zone. Identify bottlenecks in the sales funnel and coordinate with stakeholders for timely resolution. Ensure optimal conversion rates across the customer acquisition journey.
Performance Monitoring & Reporting	Track and monitor key business metrics across the zone including: Dealer Activation Percentage Daily and Monthly Disbursement Volumes Dealer Productivity Portfolio Quality and Delinquency Levels Area and Branch Productivity Funnel Conversion Ratios Analyze performance trends and recommend corrective actions to improve business outcomes.
Portfolio Quality & Risk Management	Review portfolio health collection performance and risk indicators across the zone. Drive initiatives to maintain healthy portfolio quality and control delinquency levels. Collaborate with collections credit and risk teams to address emerging portfolio concerns. Ensure sustainable business growth while maintaining acceptable risk standards.
Stakeholder Management	Collaborate with Business Heads Credit Operations Risk Marketing Collections and Branch Banking teams to achieve business objectives. Facilitate resolution of operational challenges and ensure seamless business execution. Strengthen relationships with internal and external stakeholders to enhance business effectiveness and partner satisfaction.
Governance Compliance & Operational Excellence	Ensure adherence to credit policies regulatory requirements audit standards and operational guidelines across the zone. Monitor compliance with documentation process and control standards. Drive governance and risk awareness across Area Leads and branch teams. Ensure timely closure of audit observations and implementation of corrective actions.
Strategic Expansion & Business Development	Support the Business Head in expanding Consumer Durable Loan business into new markets products dealer segments and partnership opportunities. Identify emerging market trends and business opportunities to accelerate growth. Drive strategic initiatives to enhance market share customer acquisition and partner engagement across the zone.
People Management Skill	Leadership and team management across multiple geographies. Coaching mentoring and developing Area Leads to enhance performance and productivity. Ability to build and lead high-performing teams focused on business growth and operational excellence. Performance management including goal setting monitoring feedback and corrective action planning. Strong stakeholder influencing and conflict resolution skills. Effective delegation and resource allocation to optimize team efficiency. Employee engagement and motivation to drive accountability and ownership. Change management and the ability to lead teams through business transformations and growth initiatives. Strong communication and interpersonal skills to foster collaboration across functions and levels. Talent identification succession planning and capability-building to strengthen organizational effectiveness.

KEY INTERACTIONS

Internal Stakeholders	External Stakeholders
BDO CSE BM/Asst. BM: For lead conversion Internal Team: Regional Managers Area Managers Branch Manager for operational matters guidance and support. Support functions: Finance Marketing IT etc. for payments marketing and digital support	Vendors / Customers

KEY ROLE DIMENSIONS

Geographical Coverage

Responsible for overseeing multiple areas within the assigned zone through Area Leads.

Ensure achievement of zonal sourcing disbursement dealer expansion portfolio quality and profitability targets.

Drive business growth productivity governance and stakeholder management across the entire zone.

KEY SKILLS & BEHAVIOURAL ATTRIBUTES

Key Skills & Competencies

Zonal Business Management
Leadership & Team Development
Dealer Network Expansion and Management
Sales & Disbursement Management
Portfolio Quality Monitoring
Strategic Planning & Execution
Stakeholder Management
Performance Analytics & MIS
Risk & Compliance Management
Relationship Building and Influencing Skills
Strong Field Management Capability

Behavioral Attributes- Driven and in alignment with our Purpose Transforming the life of the common man by improving their financial well-being and anchored by our core value of integrity collaboration and excellence.

EDUCATION / EXPERIENCE

Minimum Qualification ; Bachelors Degree in any discipline

Nature of Experience- Minimum 6 years of experience in Retail Assets Consumer Finance Vehicle Finance Dealer Finance or related lending businesses

Preferred Industry Exposure-Consumer Durable Loans Retail Lending NBFCs Banks Fintechs Dealer-driven financing businesses

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About Company

Muthoot Fincorp

Muthoot FinCorp is one of the leading NBFCs that offers hassle free & instant online gold loans for every need! Avail instant online ✓Gold Loan ✓Small Business Loan ✓Two Wheeler Finance ✓Used Car Loan ✓Home Loan. Apply, and get quick loan approvals.

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