Branch Sales Manager-Housing Loans

Ujjivan Small Finance Bank; Maharashtra; On-site; INR 500,000 - 800,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Branch Sales Manager specializing in Housing Loans to enhance market penetration and manage customer relationships effectively. The ideal candidate will have a strong background in sales with experience in the housing industry.

The role includes managing the loan lifecycle, negotiating terms, and ensuring customer satisfaction. Candidates should hold a graduate degree with relevant experience, and possess the ability to engage with diverse customers.

Qualifications

• Minimum 3-6 years in sales and documentation of loans, with at least 2 years in housing loans.
• Mix of sales and credit experience is acceptable, primarily in sales.
• Relevant certifications are a plus.

Responsibilities

• Interact with customers to identify requirements for housing loans.
• Manage end-to-end sales cycle from marketing to loan execution.
• Negotiate with customers and ensure timely loan disbursement.

Skills

Sales skills

Customer relationship management

Ability to drive sales performance

Marketing execution

Computer knowledge

Understanding regional languages

Education

Graduate with 2-year experience in housing industry

Post Graduate with 2-year experience in housing industry

Tools

Lending software

MIS systems

Job description

POSITION DESCRIPTION

JOB TITLE: Branch Sales Manager – Housing Loan

GRADE: M

DEPARTMENT: Housing Loans

LOCATION: Branch

SUB‑DEPARTMENT: TYPE OF POSITION: Full‑time

REPORTS TO: Area Manager – Housing

REPORTING INTO

• Loan Officer – Housing Loans
• Relationship Manager – Housing Loans

ROLE PURPOSE & OBJECTIVE

• Interact with customers and identify requirements for housing loans, creating and fulfilling demand.
• Manage end‑to‑end sales life cycle, from marketing through advice to loan execution.
• Negotiate with customers, ensure timely disbursement, and offer other bank products.
• Implement tactics to enhance market penetration via branches, connectors, referrals, and marketing.
• Set up distribution through builder empanelment (APF), marketing activities, and stakeholder relationship management.

SIZE OF THE ROLE

FINANCIAL SIZE

NON‑FINANCIAL SIZE

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business / Financials

• Align with bank branches and other Ujjivan teams to increase traffic for HL.
• Establish distribution via connector enrollment and builder empanelment (APF).
• Set targets for number and value of files for login, approval, disbursement of HL.
• Collect bounced cases for zero‑default track of all sourced customers.
• FTR on all files.

Customer (Internal & External)

• Attend and address customer queries within defined TAT.
• Manage internal and external customer relationships for satisfaction.
• Educate customers about all products/services offered.
• Reduce attrition by offering appropriate products per customer needs.
• Focus on lower TAT as per standards.

Internal Process

• Manage and nurture the team reporting to this role.
• FTR on all work/processes/files.
• Maintain well‑spread file flow of login and disbursal over a month.
• Document and prepare process manuals.

Innovation & Learning

• Work towards grooming self for next level of Area Manager with supervision.
• Complete goal setting and appraisal on time.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

• Graduate with 2‑year experience in housing industry.
• Post Graduate with 2‑year experience in housing industry.

Experience

3‑6 years in sales and documentation of loans, with 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 are an added advantage.

Functional Skills

• Ability to create teams and drive sales performance; own housing business at cluster level.
• Engage with customers; plan and execute marketing and sales promotion.
• Speaks/read regional language(s); communicates in English (read‑speak‑write).
• Good computer knowledge.

Behavioral Skills

• Sound product knowledge.
• Training skills.
• Willingness to travel & relocate as per business.
• Managing customer relations.
• Performance oriented.

Competencies

• Good computer knowledge.
• Competent to handle MIS systems and lending software.

KEY INTERACTIONS

INTERNAL

• Product and Marketing Team
• Regional Operations, Credit
• Audit, Vigilance and FCU team
• Area Technical Manager
• Legal Vendors
• External marketing agencies
• Competitor Counterparts

EXTERNAL

• External marketing agencies
• Competitor Counterparts