Branch Sales Manager-Housing Loans

Ujjivan Small Finance Bank; Kolkata District; On-site; INR 600,000 - 900,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Housing Loan Officer/Relationship Manager to drive end-to-end loan sales in Kolkata. You will collaborate with branches and connectors, guide customers, and ensure timely disbursement while promoting bank products.

The role requires 3–6 years in sales with housing loan experience, a graduate degree, and willingness to travel within the region. Strong communication and MIS skills are essential.

Qualifications

• 3-6 years in sales and documentation of loans, with at least 2 years in housing loans, home loans or loan against property
• Experience in housing finance within an NBFC/Bank/HFC is preferred
• Certifications shall be an added advantage

Responsibilities

• Align with bank branches and Micro-Banking & others to increase traffic for housing loans
• Set up distribution via connector enrollment and builder empanelment (APF)
• Targets on number and value of files for login, approval, disbursement of housing loans
• Collection of bounced cases for no-zero-default tracking of sourced customers
• FTR on all files
• Attend and address customer queries and grievances within defined TAT
• Manage internal and external customer relationships to ensure satisfaction
• Ensure customers are educated about all products/services offered by Ujjivan

Skills

Sales & client acquisition

Team coordination

Customer relationship

Marketing collaboration

Education

Graduate in relevant field

Postgraduate in housing/finance

Tools

Lending software

MIS systems

Job description

ROLEPURPOSE & OBJECTIVE

Interactwith the customers, look out for the requirements of thecustomers who wish to take a housing loan, creating the demandfor the same and fulfilling the demand.

ManagingEnd to End sales life cycle of tapping prospects throughmarketing activities, understanding their requirement andrendering advice

Negotiatingwith customers, timely disbursement of loan and providing otherBank Products.

Implementingtactics to enhance market penetration through Bank branches,Connectors, customer referrals and marketing activities.

Toset up distribution through builder Empanelment (APF), Marketingactivities, relationship management with stakeholders as required

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

Costof hiring and placing new Loan Officers/Relationship Managers atBranches.

OperationalCost of managing the Conveyance and Claims of Relationship Officers.

Costof procurement marketing collaterals, sales aids.

Shallbe expected to manage a portfolio of Rs.5 Cr. Progressively.

Managinga Housing vertical’s products across the location of operations

Managingassets like marketing collaterals, Stationary, Dockets andSystems

Managingthe team of LO/RMs reporting into this role.

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Aligningwith bank Branches & other Ujjivan teams (Micro-Banking &others) for increasing Traffic for HL

Toset up distribution via connector enrollment and engagementthrough builder Empanelment (APF)

Targetson number & value of files for Log-in, approval, disbursementof HL

Collectionof Bounced cases for no zero-default track of all customerssourced

FTRon all files

Customer(Both Internal & External)

Attendand address customer queries and grievances within the definedTAT.

Managinginternal and external customer relationship to ensure customersatisfaction.

Ensurecustomers are educated about all products/services offered byUjjivan.

Ensurelower customer attrition by providing different products as percustomer requirement.

Focuson lower TAT as per laid down standards.

InternalProcess

Manageand nurture the team reporting into this role

FTRon all work/processes/ files

Wellspread file flow of log-in and disbursal over a month.

Documentationand preparation of process manuals

Innovation& Learning

Worktowards grooming self for next level of Area manager with help ofsupervisors.

Completionof goal setting and appraisal on time

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduatewith 2 Year experience in Housing industry

PostGraduate with 2-year experience in Housing industry

Experience(Years and Core Experience Type)

3-6years in sales and documentation of loans of which at least 2years in Housing Loans, home loans or loan against property in anNBFC/ Bank/HFC. Mixed experience of Sales & Credit isacceptable, but should be predominantly in sales

Certifications

Relevantcertifications shall be an added advantage

FunctionalSkills

Abilityto create teams and drive sales performance. Will be required totake complete ownership of Housing business at Cluster level.

Abilityto engage with customers, Plan & execute Marketing and Salespromotion

Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English (Read-speak-write) is required. Has goodverbal fluency and uses simple, clear and purposeful language.

AdequateComputer knowledge

BehavioralSkills

SoundProduct knowledge

Shouldpossess Training Skills

Willingnessto travel & relocation as per business requirements andcareer opportunities

Managingcustomer relations

Performanceoriented

Competentto handle MIS systems and Lending Software