Cluster Manager-Micro Mortgages

Ujjivan Small Finance Bank

Tamil Nadu

On-site

INR 1,200,000 - 2,200,000

Full time

12 hours ago

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Job summary

Ujjivan Small Finance Bank Ltd. in branch locations seeks a Cluster Manager - Micro Mortgages to drive mortgage business in the assigned cluster and lead a team of Relationship Officers. You will oversee MLAP growth, cross-sell TPP and Liabilities, and manage a Rs.15 Cr portfolio while ensuring compliance and timely execution.

The role requires 5 years in loan sales and documentation, with at least 2 years in housing/home loans, and willingness to travel extensively across branches.

Qualifications

Graduate in Commerce or relevant subjects.
MBA or equivalent is an added advantage.
5 years in sales and documentation of loans with 2+ years in housing/home loans or loan against property.

Responsibilities

Drives mortgage business in their Cluster and manages MLAP growth.
Build efficient team of Relationship Officers across branches.
Monitor targets, guide team, and ensure risk controls and compliance.

Skills

Team building

Sales leadership

Customer engagement

MIS systems

Education

Graduate in Commerce

MBA

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.
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