Branch Sales Manager-Housing Loans

Ujjivan Small Finance Bank

Muzaffarpur

On-site

INR 600,000 - 1,200,000

Full time

2 days ago

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Job summary

Ujjivan Small Finance Bank Ltd. Branch Sales Manager-Housing Loans role focuses on engaging customers, understanding housing loan requirements, and driving end-to-end mortgage sales from the branch.

The position requires 3–6 years in sales, with housing loan exposure, and a Graduate or Postgraduate in housing industry. Willingness to travel/relocate as per business needs; reports to Area Manager-Housing.

Qualifications

Graduate with 2 years housing industry experience.
PG with 2 years 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.
Willingness to travel and relocation as per business requirements.

Responsibilities

Interact with customers to assess housing loan needs and create demand.
Manage end-to-end sales lifecycle from tapping prospects to lending.
Negotiate with customers and ensure timely disbursement of loans.
Implement marketing activities to enhance market penetration through branches and connectors.
Set up distribution via builder empanelment (APF) and manage stakeholder relationships.

Skills

Team leadership

Sales targeting

Customer engagement

Travel readiness

Education

Graduate with 2 years housing industry experience

Postgraduate with 2 years housing industry experience

Relevant certifications shall be an added advantage

Tools

Lending software

MIS systems

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

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

Negotiating with customers, 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), Marketing activities, relationship management with stakeholders as required

FINANCIAL SIZE

Cost of hiring and placing new Loan Officers/Relationship Managers 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.5 Cr. Progressively.

Managing a Housing vertical’s products across the location of operations

Managing assets like marketing collaterals, Stationary, Dockets and Systems

Managing the team of LO/RMs reporting into this role.

NON-FINANCIAL SIZE

Cost of hiring and placing new Loan Officers/Relationship Managers 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.5 Cr. Progressively.

Managing a Housing vertical’s products across the location of operations

Managing assets like marketing collaterals, Stationary, Dockets and Systems

Managing the team of LO/RMs reporting into this role.

Business/ Financials

Aligning with bank Branches & other Ujjivan teams (Micro-Banking & others) 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

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

Manage and nurture the team reporting into this role

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

Work towards grooming self for next level of Area manager with help of supervisors.

Completion of goal setting and appraisal on time

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate with 2 Year experience in Housing industry

Post Graduate with 2-year experience in Housing industry

Experience (Years and Core Experience Type)

3-6 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.