Muthoottu Mini - Senior Manager - Credit - Microfinance

Urgent Hiring : Senior Manager - Credit (Microfinance).

Muthoottu Mini Financiers Ltd.

Location : Head Office - Kaloor, Kochi.

Department : Microfinance.

Experience Level : 10+ Years.

Application Deadline : Immediate Joining.

Join One of India's Leading NBFCs!.

Muthoottu Mini Financiers Ltd, with a proud legacy of over 100 years in financial services, is looking for a seasoned professional to join our fast-growing Microfinance Division.

We are seeking a highly capable Senior Manager - Credit (Microfinance) to lead and strengthen our credit and collections operations.

Key Responsibilities :

• Develop and implement robust credit policies, underwriting norms, and risk assessment frameworks specific to the microfinance customer segment.
• Lead end-to-end credit appraisal and loan approval processes across branches and regional offices.
• Monitor and manage the performance of the loan portfolio, with a strong focus on collections, delinquency control, and NPA reduction.
• Design and implement collection strategies in coordination with regional and branch teams to ensure timely recovery and minimize overdue accounts.
• Collaborate closely with field operations, collections, product, and compliance teams to align credit decisions with ground realities and business goals.
• Conduct regular portfolio reviews, analyze early warning signals, and initiate pre-emptive collection measures to protect asset quality.
• Mentor and train credit analysts, branch credit officers, and collection staff on risk evaluation, credit policy adherence, and recovery procedures.
• Drive digitization of credit and collection processes for better turnaround, tracking, and transparency.
• Ensure full compliance with RBI guidelines, NBFC-MFI regulatory norms, and internal audit requirements.
• Support internal and external audits, inspections, and portfolio reviews related to credit and collections.

Candidate Requirements :

(ref : iimjobs.com)