Branch Sales Manager-Micro Mortgages

Ujjivan Small Finance Bank; Coimbatore District; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Branch Sales Manager for Micro Mortgages to lead end-to-end mortgage sales at the branch level.

You will drive distribution, manage a small team of Relationship Officers and Portfolio Officers, and ensure timely disbursal and customer service excellence across the Micro Mortgages portfolio. The role requires 3-8 years in mortgages, strong leadership, and a proven track record in sales, marketing, and customer relationship management.

Qualifications

• Graduate with 3-8 years' experience in mortgages industry.
• 3-8 years in sales and documentation of loans; at least 2 years in Housing Loans, home loans or loans against property in NBFC/Bank/HFC.
• Relevant certifications shall be an added advantage.

Responsibilities

• Align with bank Branches & other Ujjivan teams for increasing traffic for MM.
• Increase distribution by interacting closely with MB team and internal sources.
• Targets on number & value of files for login, approval, disbursement of HL.
• Collection of bounced cases for no zero-default track of all customers sourced.
• FTR on all files.
• Attend and address customer queries and grievances within the defined TAT.
• Manage internal and external customer relationships to ensure satisfaction.
• Educate customers 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.
• Manage and nurture the team reporting into this role.
• FTR on all work/processes/ files.
• Well spread file flow of login and disbursal over a month.
• Documentation and preparation of process manuals.

Skills

Team leadership

Sales

Customer engagement

Marketing & distribution

English communication

Travel willingness

Regional language ability

Education

Graduate degree

Tools

Lending software

MIS systems

Computer literacy

Job description

POSITION DESCRIPTION

JOB TITLE : Branch Sales Manager-Micro Mortgages

GRADE : M

DEPARTMENT : Micro Mortgages

LOCATION : BRANCH

SUB-DEPARTMENT : TYPE OF POSITION : Full-time

REPORTS TO : Area Manager-Micro Mortgages

REPORTING INTO

• Relationship Officer-Micro Mortgages
• Portfolio Officer-Micro Mortgages
• ROLE PURPOSE & OBJECTIVE

• Interact with the customers, look out for the requirements of the customers who wish to take a 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, relationship management with stakeholders as required

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Cost of hiring and placing new Relationship Officers and Portfolio Officers 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.10 Cr. Progressively
• Managing a housing vertical's product across the location of operations
• Managing assets like marketing collaterals, Stationary, Dockets and Systems
• Managing a team size of 2-3 ROs/POs reporting into the role.

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

• Aligning with bank Branches & other Ujjivan teams (Micro-Banking & others) for increasing Traffic 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)

• 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 supervisor.
• Completion of goal setting and appraisal on time

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate with 3-8 years' experience in mortgages industry.

Experience (Years and Core Experience Type)

• 3-8 years in sales and documentation of loans of which at least 2 years in Housing Loans, home loans or loans 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.
• Adequate Computer knowledge

Behavioral Skills

• Sound Product knowledge
• Should possess Training Skills
• Willingness to travel & relocation as per business requirements and career opportunities
• Managing customer relations
• Performance oriented

Competencies

• Good Computer Knowledge
• Competent to handle MIS systems and Lending Software

KEY INTERACTIONS

INTERNAL

EXTERNAL

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

PREPARED BY: Preshaanth R

DATE: 31-01-2025

REVIEWED BY: Rishu Kumar

DATE: 31-01-2025

LAST UPDATED BY: TM Team

DATE: 17-03-2025