Deputy Relationship Manager-Housing Loans

Ujjivan Small Finance Bank

Karnataka

On-site

INR 500,000 - 800,000

Full time

5 hours ago

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Job summary

Ujjivan Small Finance Bank is hiring a Deputy Relationship Manager for Housing Loans to drive lead generation, assess loan viability, and acquire secured HL customers. The role requires maintaining strong customer relations and cross-selling other bank products across the customer base.

You will manage end-to-end loan processes, ensure timely repayments, and collaborate with the cluster team to achieve HL targets while adhering to regulatory guidelines.

Qualifications

Graduate, preferably in commerce and related streams.
2–4 years in banking, asset products sales or collections.
Fluent in local language and English; strong communication skills.

Responsibilities

Lead generation - identify quality HL leads from existing customers or open market.
Assess leads by analyzing credit histories and property evaluation per regulations.
Acquire new HL secured loans and cross-sell to existing customers.
Monitor installment payments and collections; ensure portfolio quality.
Deepen relationships by offering Ujjivan products as per customer needs.
Coordinate with Marketing to drive HL campaigns.

Skills

Lead generation

Relationship building

Credit assessment

Communication

Willingness to travel

Education

Graduate in commerce

Job description

POSITION DESCRIPTION

JOB TITLE : Deputy Relationship Manager-Housing Loans
GRADE : DM-II
DEPARTMENT : Housing
LOCATION : RO
SUB-DEPARTMENT : NA
TYPE OF POSITION : Full-time
REPORTS TO : Cluster Manager /Sr. Cluster Manager- Housing
REPORTING INTO
NA

ROLE PURPOSE & OBJECTIVE

Lead Generation - Identify quality leads from existing customer base /open market by conducting various events and activities

Assessment of leads - Evaluate the leads generated by analyzing credit histories & property evaluation by adhering to internal and external regulations

Acquire new Housing Loans (HL) – Secured home loans customers from open market / cross sell to existing customers

Monitor installment payments and collections of customers

Deepen relationship with the existing customers by cross-selling Ujjivan’s products as per the profile & need of the customers

SIZE OF THE ROLE

FINANCIAL SIZE
NON-FINANCIAL SIZE
NA
NA

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

Achieve the set targets on HL-Secured Loans in terms of open market acquisition and existing customer conversion

Maintain database of prospects, meet select prospects and manage the relationship thereafter

Follow up on leads provided by call center / liabilities team within defined TAT

Cross sell other products of Ujjivan and pass quality leads to respective officers/staff

Share customer insights/product related feedback with the Cluster Manager – HL

Coordinate with Products & Marketing department to carry out marketing drives that are assigned and catchment areas for HL secured loans.

Customer

Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective

Conduct the appraisal process of potential customers in a courteous manner without compromising quality

Guarantee confidential treatment of all the information gathered from customers.

Internal Process

Carry out the pre and post-loan activities related to Unsecured loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality

Visit the customer’s business and home to do the assessment/evaluation, following the \"Operations Manual\" procedures. Analyze and evaluate the loan applications, to determine the situation of the business, establish the risks, determine the capacity of repayment and the adequate loan amount for the customer’s needs, and also evaluate the family situation and stability

Visit the guarantor/collateral contact, explain about his/her role during the loan term

Cooperate with the credit department in case of identifying discrepancies or problems in customer’s information, reports, etc. through CRM – Microfinance.

Inform the customer about the Credit Committee decision

Coordinate with Liabilities team if applicable, to ensure bank accounts are opened/activated to disburse the loan amount and necessary standing instructions to repay monthly disbursements

Perform loan utilization check and follow up on the disbursed loans, especially of the ones not paying on time

In case of arrears, visits customers and guarantors for the loan recovery and coordinate with collections officer to update the status periodically

Learning & Innovation

Maintain up to date knowledge of Unsecured loans as well as a working knowledge of other products offered in the branch

Inform Branch Head about the demand in his/her assigned area as well as on the competition on a regular basis in consultation with CRM – Microfinance.