Customer Relationship Manager

Ujjivan Small Finance Bank

Parbhani

On-site

INR 500,000 - 800,000

Full time

13 hours ago

Be an early applicant

Application generator

Turn this role into an interview — a resume and cover letter built around what this employer wants.

Get past ATS filters

Job summary

Ujjivan Small Finance Bank is seeking a Customer Relationship Manager for the Micro Banking division at a branch location. The role focuses on acquiring customers for unsecured loans, converting existing borrowers to liabilities, and driving family banking cross-sell within the branch network.

The incumbent will lead a team, ensure audit-compliant processes, and supervise timely loan disbursements while working closely with Area Managers to achieve branch targets.

Qualifications

Graduate in Commerce/Business/Economics with strong analytical and sales skills.
Experience in banking, sales or collections is preferred (2–4 years).
Knowledge of KYC/AML norms and banking regulations is desirable.

Responsibilities

Drive acquisition of customers for unsecured loans (GL and unsecured IL).
Convert existing borrowing customers to liabilities loans.
Cross-sell family banking products to family members and referrals.
Retain and deepen relationships for unsecured loans and liabilities.
Ensure process quality and adherence to internal audit standards.
Lead the reporting staff and manage branch performance.

Skills

Unsecured product knowledge

Sales skills

Interpersonal skills

Team leadership

Education

Graduate in Commerce/Business/Economics

Tools

MS Office

Outlook

Job description

POSITION DESCRIPTION

JOB TITLE : Customer Relationship Manager

GRADE : M

DEPARTMENT : Micro Banking

LOCATION : Branch name

SUB-DEPARTMENT : TYPE OF POSITION : Full-time

REPORTS TO : Area Manager/ Senior Area Manager

REPORTING INTO

ACRM, LO/Senior LO, FIO, CRO

ROLE PURPOSE & OBJECTIVE

Actively drive acquisition of customers for unsecured loans (GL and unsecured IL).
Enable conversion of existing borrowing customers for liabilities.
Ensure that Family banking products are actively cross sold to family members and referrals of existing customer.
Undertake initiatives to retain and deepen relationship with existing customer for unsecured loans and for liabilities
Maintains process quality & ensures adherence to internal audit standards.
Management of all the reporting staff.
Closure of Audit points and maintaining threshold on "Needs Improvement" and "Unsatisfactory" branches.
Timely disbursement of sanctioned loans.

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Portfolio Managed- Volume of recruitment- < 10 Staff - changes as per branches allotted. (Direct & Indirect)

No. of products served- Group Loan, Individual Loan, CASA, TD and TPP products

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

Monitors branch performance in MB unsecured and secured loans along with ACRM
Responsible for acquiring new GL customers; conversion of customers from unsecured to secured loans
Key person for scaling up Family Banking in branch. Executes the sales plans for the branch for acquisition of accounts and term deposits for family member and referrals of group loan and unsecured individual loan customers
Set weekly/monthly targets for the team, reviews the set targets on a regular basis
Guide the CROs to enable conversion of existing borrowing customers for liabilities
Execute the marketing initiatives designed by products & marketing department
Assess the market potential and give feedback on product modification and new product development to the regional product teams
Share insights on competitor products to the regional product/marketing teams

Customer

Ensure customers and CROs are educated about the unsecured loans and liabilities products offered by Ujjivan
Resolve customer queries/grievances (pertaining to GL, unsecured IL, liabilities) escalated from the CROs within specified time frame

Internal Process

Oversee collection of documents for account opening in strict adherence to KYC norms
Keep abreast of the changes in policies and guidelines by RBI, ensures his/her team is educated on the changes to ensure strict adherence
Responsible for correct storage of client information and any other documentation inclusive internal reports, memos etc.
Oversee follow-ups with overdue customers to collect the payments
Conduct customer house visits, cross verify the documents and details in the Customer Profile forms (CPF) and Loan Application forms (LAF), conduct Group Recognition Training (GRTs)
Perform visits to the Center meetings to check whether they are as per scheduled time and day.
Ensure CROs deposit center meeting cash at the nearest or collocated BCs.
Timely disbursement of sanctioned loans
closure of Audit points and Maintaining threshold on "Needs Improvement" and Unsatisfactory" branches.
Implementation of products pertaining to Government business.
To ensure adherence to minimum number of House visits and center visits for the month.

Learning & Innovation

Coach the branch staff on unsecured loans products to drive targets and support them in conversion of existing customers for deposit products
Resolve queries and escalations from the team in a well-defined timeframe
Ensure adherence to training man-days/ mandatory training programs for self and reportees
Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self and reportees
Monitor timely completion of mandatory courses of the staff
Monitor timely completion of mandatory annual leave of the staff.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate in Commerce/Business/Economics or related subjects with good analytical and sales skills to be considered.

Experience

Preferred experience of 2-4 years in banking, sales or collection
2-4 years of experience in MFI sales & team handling experience

Certifications

Functional Skills

Knowledge on unsecured products
Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage
Basic knowledge of accounting and finance administration desirable
Is fluent in the local languages and has a working knowledge of English
Knowledge of KYC/AML norms and other guidelines for liabilities

Behavioral Skills

Multiple product selling skills
Willingness to travel & relocation as per business requirements and career opportunities
Interpersonal skills
Ability to interface (orally and in writing) with all levels of associates and customers
Ability to manage teams and drive performance
Training skills

Competencies Required