Area Manager - Housing Loans

Ujjivan Small Finance Bank Ltd.

Vellore

Presencial

INR 1.500.000 - 2.100.000

Jornada completa

Hace 2 días

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Descripción de la vacante

Ujjivan Small Finance Bank Ltd. is seeking a dynamic Area Manager – Housing (AVP-I) to drive the housing loan business within the region.

You will build and lead a team of loan officers and cluster managers, steer portfolio growth, and oversee risk and recovery strategies in collaboration with credit and product teams. The role requires 8–13 years of sales experience with housing loans and strong leadership, communication, and regional travel capability.

Formación

Graduate with postgraduate preference and minimum relevant degree.
8–13 years of sales experience with at least 4 years in housing loans or loan against property in NBFC/bank/HFC.
Ability to build and lead a housing loan team across sub-regional levels.

Responsabilidades

Monitor targets for area/branches and guide the team to achieve them.
Plan and assign portfolio targets by area, branch, and loan officer for risk and growth.
Support cluster managers in client visits, risk assessment, and recovery strategies.
Recruit, train, and develop staff to ensure productivity and growth.
Implement and supervise credit procedures and tools as per policy.
Drive marketing and product alignment with branding for housing loans.

Conocimientos

Team building

Sales leadership

Customer communication

English fluency

Regional travel

MS Office

Educación

Graduate, preferably Post Graduation

Herramientas

MS Office

Descripción del empleo

Position Description

JOB TITLE : Area Manager – Housing

GRADE : AVP-I

DEPARTMENT : Housing

LOCATION : Region

SUB-DEPARTMENT : TYPE OF POSITION : Full-time

REPORTS TO : Regional Business Manager – Housing

REPORTING INTO Cluster Manager –HL

ROLE PURPOSE & OBJECTIVE

Housing Loan is a growing business for Ujjivan. The Area Manager-Housing Loan is the most important position that will drive this business in the respective cluster. The position is responsible for overall growth and success of the business in the cluster.
Built efficient team of Loan officers and cluster Managers in the Area/cluster assigned
Oversees the performance of the HL portfolio of his/her region by area and branch in terms of growth (amount and client base) and productivity of cluster manager/loan officers by guiding them and carrying out constructive reviews of their performance
Overall responsible for the control and recovery of loans in his/her region, risk assessment and recovery strategies.
In coordination with the branch, credit & product teams, identifies suitable branches and locations for Housing business loan and gets the locations activated. Ensures proper goal setting, resource planning, marketing and sourcing of HL business. Identifying legal and technical evaluators in the locations during expansion.
Work closely with product and marketing team to drive suitable branding and marketing activities in his/her respective cluster.
Effictivly handly DSA Chanl contcores.

SIZE OF THE ROLE

FINANCIAL SIZE

Will be responsible to handle the geography of at least 3-4 clusters with a portfolio size of ₹100 – ₹150 Crore

NON-FINANCIAL SIZE

Will be responsible to handle a team of 4 – 5 cluster managers with an indirect reporting of 15 – 30 Loan officers/relationship managers

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required
Assign targets and results on daily, weekly, monthly basis of portfolio of risk by different categories such as days in arrears, number of installment due, amount within his/her region by area, branch, loan officer with the objective to identify tendencies and risks.
Supports Cluster Manager- in his/her area in their duties of client visits, risk assessment and recovery strategies
Efficient staffing by timely recruitment & training
Implement, supervise and control effectiveness of commercial strategy with his/her team to reach the productivity and growth targets established.
Approve deviations and exceptions according to policy in place.
Ensure, supervise the correct implementation of the credit procedures including all the respective tools

Customer

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

Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.
Monitor health of portfolio
Sanctioning of loans according to the policy in place.
Ensure, supervise the correct implementation of the credit procedures including all the respective tools
Discuss strategies and changes in terms of products, capacity building, procedures etc.

Learning & Performance

Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch
Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
Ensure adherence to training man-days/ mandatory training programs for self and reportees
Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of Housing Loans team.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Graduate, preferably Post Graduation

Qualifications

Graduate, preferably Post Graduation

Experience

8-13 years in sales and documentation of loans of which at least 4 years in Housing Loans, home loans or loan against property in an NBFC/ Bank/HFC/ CA firms/ Outsourcing Agencies. Mixed experience of Sales + Credit is acceptable, but should be predominantly in sales.

Functional Skills

Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing Loan at sub-regional level.
Ability to engage with customers, colleagues & agencies providing valuation and legal opinion. Plan & execute Marketing and Sales promotion for Housing Loan
Ability to plan and coordinate
Team Leading Experience is highly preferred
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.
Good Computer knowledge.
Characteristics of Entrepreneurial Behavior – Ability to plan, set goals, initiative, persistence, self-discipline, capacity to take risks, produce support networks and assess the market
Establishes a friendly and professional relationship with the entire team

Behavioral Skills

Training Skills
Interpersonal skills – ability to handle various types of mindsets and get desired output for meeting bank’s goal
Willingness to travel & relocation as per business requirements and career opportunities
Managing customer relations
Performance oriented

KEY INTERACTIONS

INTERNAL

EXTERNAL