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National Manager Lap & Hl Disbursement

Muthoot Fincorp


Job Location:

Chennai - India

Yearly Salary: INR 3 - 6
Posted: 26 September 2026 (Yesterday)
Application Deadline: 24 December 2026
Vacancies: 1 Vacancy

Job Summary

Role Profile

ROLE SPECIFICATION

Role Title

National Manager - LAP & HL Disbursement


Employee Interviewed


Reports To

Business Head

Company

MFL

Function/Department

Business and Personal Finance Division

Location

Chennai

Written By


Approved By (Functional)


Approved By (People & Culture)


Date (Written On)




ROLE SUMMARY (PURPOSE)


Responsible for end-to-end disbursement process for Home Loan (HL) and Loan Against Property (LAP). The role ensures TAT adherence process compliance risk mitigation and smooth coordination with Sales Credit Legal Valuations and Branch teams to enable timely disbursals.

ORGANIZATIONAL CHART













KEY RESPONSIBILITIES

Disbursement & Operations


  • Oversee HL & LAP disbursement process from login to payout Ensure documents are vetted as per credit policy legal and technical requirements.
  • Coordinate with Sales credit legal valuation and FI teams to remove bottlenecks Achieve monthly/quarterly disbursement targets with defined TATs


TAT & Efficiency


  • Monitor and improve disbursement TAT at branch and centralized level
  • Track daily/weekly pipeline and provide MIS to leadership


Team Management


  • Lead and mentor disbursement team across zones/branches Train teams on policy updates system usage and process changes Conduct regular reviews audits and feedback sessions


Stakeholder Management


  • Work closely with HODs of all the Dept(Sales/credit/legal/RCU/Techincal) ZH Sales Head Credit Head Zonal/Branch Managers for pipeline management Coordinate with Legal Valuation Technical agencies for faster turnarounds Handle escalations from branches/customers and resolve with root cause analysis



KEY DECISIONS TAKEN


NA


KEY INTERACTIONS

Internal Stakeholders

External Stakeholders

Sales Credit Legal Technical IT RCU and Audit

DSA Connector


KEY ROLE DIMENSIONS

Geographical coverage PAN INDIA

Business volume -660cr annual



KEY SKILLS & BEHAVIOURAL ATTRIBUTES

Deep expertise in HL & LAP products Strong credit underwriting and risk judgment for secured retail assets.

End-to-end ops knowledge: documentation legal technical CERSAI disbursement P&L ownership and ability to balance growth vs risk vs compliance Large team leadership across geographies strong stakeholder management


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

Graduate. MBA/PGDM in Finance/Marketing preferred

14-20 years in Banks/NBFCs/HFCs with exposure to Sales Credit Ops Proven track record of scaling HL/LAP business with healthy portfolio




Required Experience:

Manager


About Company

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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