Cluster Manager-Micro Mortgages_Tamilnadu

Ujjivan Small Finance Bank; Krishnagiri; On-site; INR 1,500,000 - 2,800,000; Full time

Job summary

Ujjivan Small Finance Bank in Krishnagiri is seeking a Cluster Manager – Micro Mortgages to drive mortgage business, lead a team of Relationship Officers, and ensure portfolio performance across branches. The role emphasizes targeted sales, risk awareness, and cross-selling of TPP and liability products.

The candidate must have a background in loan sales with 5 years of experience and at least 2 years in housing/home loans, with willingness to travel as required.

Qualifications

• Graduate in Commerce or relevant subjects.
• MBA or equivalent is an added advantage.
• 5 years in sales and documentation of loans, with at least 2 years in Housing Loans/Home Loans/OP loan in NBFC/Bank/HFC.
• Willingness to travel and relocation as per business needs.
• Ability to build and lead a team and drive MLAP sales.

Responsibilities

• Drive mortgage business in the cluster and achieve growth targets for MLAP and cross-sell of TPP & Liability products.
• Build an efficient team of Relationship Officers across branches.
• Monitor portfolio health, ensure lending guidelines compliance and timely audits.
• Engage with customers, explain product terms and promote MLAP and related products.
• Travel across the cluster as required to meet business needs.

Skills

Team building

Leadership

Sales excellence

Customer engagement

Credit risk awareness

Education

Graduation in Commerce

MBA or equivalent

Tools

Lending software

MIS systems

Job description

Job Description

Krishnagiri, Tamil Nadu, India ..+ 10

3 - 5 Years

Permanent

POSITIONDESCRIPTION

JOBTITLE

ClusterManager – Micro Mortgages

GRADE

SM

DEPARTMENT

MicroMortgages

LOCATION

BRANCH

SUB-DEPARTMENT

TYPEOF POSITION

Full-time

REPORTSTO

REPORTINGINTO

RelationshipManager,

CustomerService Officer

ROLEPURPOSE & OBJECTIVE

DrivesMortgage business in their respective Cluster. Is responsible foroverall growth and success of the MLAP business & cross sellTPP & Liability Products

Buildefficient team of Relationship Officers in the Cluster assigned

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

Costof hiring and placing new Relationship 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.15 Cr. Progressively

Managinga single product across the branches of operations

Managinga team size of 5 employees progressively

Managingassets like marketing collaterals, Stationary, Dockets andSystems

Managinghiring and placement of Relationship Officers in requiredBranches

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Candidateshould be able to deliver budgeted business figures from theCluster of control through placing adequate manpower across activebranches. He/She is also responsible for building a qualityportfolio without compromising on quantum of business

Daily/Weekly /Monthly monitoring of the accomplishment of targetsaccording to the annual/monthly targets established for the areaand branches under his/her responsibility to provide guidance andsolutions to his/her team as required

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

Efficientstaffing by timely recruitment & training

SupportsRelationship Officers- in his/her area in their duties of clientvisits, risk assessment and recovery strategies

Shouldbe ready to travel extensively across the cluster of control forbusiness requirements

Customer(Both Internal & External)

Ensurethat customers are aware of the Product and services properly

Ensurethat customers are explained about the Terms & Conditions ofProduct

Focuson lower TAT as per laid down standards.

InternalProcess

Monitorhealth of portfolio

Ensurecompliance with lending guidelines, quality framework and auditrequirements; ensure speedy resolution of any audit observationsand take necessary steps to prevent recurrence audit and otherregulations.

Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools

Innovation& Learning

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

Evaluatethe staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions forimprovement

Expectedto be updated with all new improvement & innovationshappening in the market and competitors

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

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduatein Commerce or relevant subjects
• AnMBA or equivalent is an added advantage

Experience(Yearsand Core Experience Type)

• 5years in sales and documentation of loans of which at least 2years in Housing Loans, home loans or loan against property in anNBFC/ Bank/HFC. Mixed experience of Sales & Credit isacceptable, 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 MLAP at Cluster level.
• Abilityto engage with customers, Plan & execute Marketing and Salespromotion for MLAP
• 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