Branch Sales Manager-Micro Mortgages

Ujjivan Small Finance Bank Ltd.; Virudhunagar; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. in India is seeking a Branch Sales Manager-Micro Mortgages to lead end-to-end sales of housing loan products at the branch. You will build a high-performing team of 2-3 ROs/POs, drive marketing activities, and coordinate with MB teams to expand MM distribution.

You will engage customers, ensure timely disbursement, and maintain strong relationships with stakeholders while aiming to reduce attrition and achieve targets.

Qualifications

• 3-8 years in sales and documentation of loans, with at least 2 years in Housing Loans.

Responsibilities

• Align with bank Branches & Micro-Banking teams to increase MM traffic.
• Increase distribution by collaborating with MB team and internal sources.
• Targets on number & value of files for log-in, approval, disbursement of HL.
• Collection of bounced cases for no-zero-default tracking.
• FTR on all files and ensure timely processing.

Skills

Team leadership

Sales strategy

Customer communication

English proficiency

Education

Graduate degree

Tools

Lending software

MIS systems

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