Relationship Manager-Micro Mortgages

1. POSITION DESCRIPTION

JOB TITLE

Relationship Manager-Micro Mortgages

GRADE

M

DEPARTMENT

Micro Mortgages

LOCATION

BRANCH

SUB-DEPARTMENT

TYPE OF POSITION

Full-time

REPORTS TO

Cluster Manager – Micro Mortgages

REPORTING INTO

Relationship Officer – Micro Mortgages

2. ROLE PURPOSE & OBJECTIVE

• Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering advice

• Negotiating commercials, timely disbursement of loan and providing other Bank Products.

• Implementing tactics to enhance market penetration through Bank branches, Connectors, customer referrals and marketing activities.

• To set up distribution through builder Empanelment (APF),

• Applicable to all loan officers with 12 Months of service

3. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Cost of hiring and placing new Relationship Officers at Branches

• Operational Cost of managing the Conveyance and Claims of Relationship Officers

• Cost of procurement marketing collaterals, sales aids

• Shall be expected to manage a portfolio of Rs.15 Cr. Progressively

• Managing a single product across the branches of operations

• Managing a team size of 5 employees progressively

• Managing assets like marketing collaterals, Stationary, Dockets and Systems

• Managing hiring and placement of Relationship Officers in required Branches

4. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Candidate should be able to deliver budgeted business figures from the Cluster of control through placing adequate manpower across active branches. He/She is also responsible for building a quality portfolio without compromising on quantum of business

Business/ Financials

• Aligning with bank Branches & Micro banking team for increasing Traffic for HL

• To set up distribution via connector enrollment and engagement through builder Empanelment (APF).

• Targets on number & value of files for Log-in, approval, disbursement of HL

• 65% of target of HL 15% from FD, 15% of S/A and 10% of standalone Insurance

• Collection of Bounced cases for no zero default track of all customers sourced.

• FTR on all files

Customer (Both Internal & External)

• Attend and address customer queries and grievances within the defined TAT.

• Managing internal and external customer relationship to ensure customer satisfaction.

• Ensure customers are educated about all products/services offered by Ujjivan.

• Ensure lower customer attrition by providing different products as per customer requirement.

• Focus on lower TAT as per laid down standards.

Internal Process

• FTR on all work/processes/ files

• Well spread file flow of log-in and disbursal over a month.

• Documentation and preparation of process manuals

Innovation & Learning

• Mentor loan officer too graduate to next level.

• Work towards grooming self for next level of cluster manager with help of Cluster Manager & Area Manager.

• Completion of goal setting and appraisal on time

5. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate with 1 -2 Year experience in Ujjivan in Housing Loans

• Post Graduate with 6-12 months experience in Housing loans

Experience(Years and Core Experience Type)

• 5 years in sales and documentation of loans of which at least 2 years in Housing Loans, home loans or loan against property in an NBFC/ Bank/HFC. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales

Certifications

• Relevant certifications shall be an added advantage

Functional Skills

• Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing business at Cluster level.

• Ability to engage with customers, Plan & execute Marketing and Sales promotion

• Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language.

• Adequate Computer knowledge

Behavioral Skills

• Sound Product knowledge

• Should possess Training Skills

• Willingness to travel & relocation as per business requirements and career opportunities

• Managing customer relations

• Performance oriented

Competencies

• Good Computer Knowledge

• Competent to handle MIS systems and Lending Software

6. KEY INTERACTIONS

INTERNAL

EXTERNAL

• Product and Marketing Team

• Regional Operations, Credit

• Audit, Vigilance and FCU team

• Area Technical Manager

• Legal Vendors

• External marketing agencies

• About Company

  Ujjivan SFB provides banking services to the unbanked and underbanked population in India. It offers savings, loans, insurance, and digital banking tailored for low-income segments. The bank promotes financial inclusion through a wide network of branches.

  Services you might be interested in

  One-Shot Campaign

  Reach out to ideal employees in one shot!

  The intelligent campaign for reaching out to the ideal audience to whom you can ask for help (guidance or referral).

  Know more