Branch Sales Manager-Housing Loans

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

Job summary

Ujjivan Small Finance Bank Ltd. seeks a Housing Loan Sales professional to manage the end-to-end lifecycle from prospecting to disbursement, aligning with branches and micro-banking teams for higher loan traffic.

You will drive distribution via connectors, engage with builders, and target file numbers for login, approval, and disbursement while tracking bounced cases and ensuring first-time right (FTR) on all files. Strong sales, customer handling, and MIS skills are essential.

Qualifications

• 3-6 years in sales and loan documentation, with at least 2 years in housing loans, home loans, or loan against property
• Experience in mixed sales & credit is acceptable but should be sales-focused
• Certifications in relevant lending domains are a plus

Responsibilities

• Align with bank branches and micro-banking teams to increase housing loan traffic
• Set up distribution via connector enrollment and builder empanelment (APF)
• Target numbers and value for loan login, approval, and disbursement
• Collect bounced cases for recovery and ensure no-default tracking
• Ensure timely finalization and release (FTR) on all files
• Attend and address customer queries and grievances within defined TAT
• Maintain and nurture internal/external customer relationships and educate customers on products

Skills

Team building

Sales promotion

Regional languages

English communication

Computer literacy

Travel willingness

Customer relations

MIS and lending software

Education

Graduate with 2 years housing industry experience

Postgraduate with 2 years housing industry experience

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