Branch Sales Manager-Micro Mortgages

Ujjivan Small Finance Bank; Bengaluru; On-site; INR 400,000 - 600,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. is seeking Relationship Officers/Portfolio Officers at branch locations in Bengaluru. The role focuses on driving housing loan sales, managing customer relationships, and coordinating with MB teams to boost branch traffic.

Candidates should have 3–8 years in mortgages, with at least 2 years in housing/home loans. The position requires strong sales skills, credit awareness, and willingness to travel as per business needs.

Qualifications

• Graduate with 3-8 years' experience in mortgages industry.
• 3-8 years in sales and documentation of loans, with at least 2 years in Housing Loans/Home Loans/Property loans.
• Mixed Sales & Credit experience acceptable but predominantly in sales.

Responsibilities

• Align with Bank Branches & MB teams to increase traffic for MM.
• Increase distribution by working with MB team and internal sources.
• Targets on number and value of files for login, approval, and disbursement of HL.
• Collect bounced cases for no-zero-default track of all customers sourced.
• FTR on all files.

Skills

Sales

Mortgage knowledge

Customer relationship

Credit awareness

Education

Graduate

Tools

MIS systems

Lending Software

Job description

ROLEPURPOSE & OBJECTIVE

Interact with the customers, look out for the requirements of the customers who wish to takea micro mortgage 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, relationshipmanagement with stakeholders as required

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

Costof hiring and placing new Relationship Officers and Portfolio Officers at Branches

OperationalCost of managing the Conveyance and Claims of RelationshipOfficers

Costof procurement marketing collaterals, sales aids.

Shallbe expected to manage a portfolio of Rs.10 Cr. Progressively

Managinga housing vertical's product across the location of operations

Managingassets like marketing collaterals, Stationary, Dockets andSystems

Managing a team size of 2-3 ROs/POs reporting into the role.

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

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

Increase distribution by interacting closely with MB team and other internal sources

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)

Attendand address customer queries and grievances within the definedTAT.

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.

InternalProcess

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

Worktowards grooming self for next level of Area Manager with helpof supervisor.

Completionof goal setting and appraisal on time

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduatewith 3-8 years' experience in mortgages industry.

Experience (Yearsand Core Experience Type)

3-8 years in sales and documentation of loans of which at least 2years in Housing Loans, home loans or loans against property in anNBFC/ Bank/HFC. Mixed experience of Sales & Credit is acceptable 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