Cluster Manager-Micro Mortgages

Ujjivan Small Finance Bank Ltd.

Bengaluru

On-site

INR 135,000,000 - 165,000,000

Full time

27 hours ago

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Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Cluster Manager for Micro Mortgages. The role focuses on driving mortgage business within the cluster, building an efficient team of Relationship Officers, and managing a Rs.15 Cr portfolio across branches.

You will work under the Regional Sales Manager and report to senior managers, while coordinating with Relationship Managers and Customer Service Officers to deliver growth and quality mortgage assets.

Qualifications

Graduate in Commerce or relevant subjects
MBA or equivalent is an added advantage
5 years in sales and documentation of loans with housing/home loan property exposure

Responsibilities

Drive mortgage business in the cluster and grow MLAP cross-sell
Build and lead a team of Relationship Officers
Deliver budgeted business figures and monitor targets
Support Loan Officers and Relationship Officers in client visits, risk assessment and recovery strategies
Travel extensively across the cluster for business needs
Ensure compliance with lending guidelines and audit requirements
Maintain a quality portfolio and manage marketing collateral and systems
Engage customers with product information and clear terms

Skills

Team building

Sales promotion

Customer engagement

Computer knowledge

Education

Bachelor's degree in Commerce

MBA or equivalent

Tools

Lending software

Job description

POSITION DESCRIPTION

JOB TITLE : Cluster Manager – Micro Mortgages

GRADE : SM

DEPARTMENT : Micro Mortgages

LOCATION : BRANCH

SUB-DEPARTMENT : TYPE OF POSITION : Full-time

REPORTS TO : Regional Sales Manager/ Area Manager - Micro Mortgages

REPORTING INTO: Relationship Manager, Portfolio Manager, Customer Service Officer

ROLE PURPOSE & OBJECTIVE

Drives Mortgage business in their respective Cluster. Is responsible for overall growth and success of the MLAP business & cross sell TPP & Liability Products

Build efficient team of Relationship Officers in the Cluster assigned

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Cost of hiring and placing new Relationship 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.15 Cr. Progressively

Managing a single product across the branches of operations

Managing a team size of 5 employees progressively

Managing assets like marketing collaterals, Stationary, Dockets and Systems

Managing hiring and placement of Relationship Officers in required Branches

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Candidate should be able to deliver budgeted business figures from the Cluster of control through placing adequate manpower across active branches. He/She is also responsible for building a quality portfolio without compromising on quantum of business

Business/ Financials

Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required

Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies

Efficient staffing by timely recruitment & training

Supports Relationship Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies

Should be ready to travel extensively across the cluster of control for business requirements

Customer (Both Internal & External)

Ensure that customers are aware of the Product and services properly

Ensure that customers are explained about the Terms & Conditions of Product

Focus on lower TAT as per laid down standards.

Internal Process

Monitor health of portfolio

Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.

Ensure, supervise the correct implementation of the credit procedures including all the respective tools

Innovation & Learning

Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees

Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement

Expected to be updated with all new improvement & innovations happening in the market and competitors

Should be updated with the latest trends in civic and local laws of the territory of operation

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate in Commerce or relevant subjects

An MBA or equivalent is an added advantage

Experience(Years and Core Experience Type)

5 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 MLAP at Cluster level.

Ability to engage with customers, Plan & execute Marketing and Sales promotion for MLAP

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.