Deputy Relationship Manager-Housing Loans

Ujjivan Small Finance Bank Ltd.; Srirangapatna; On-site; INR 450,000 - 750,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. requires a Deputy Relationship Manager for Housing Loans to drive open market acquisitions and deepen relationships with existing customers. You will evaluate leads, manage the appraisal process, and coordinate with cross-functional teams to ensure smooth loan disbursement and collections.

The role demands field visits, strong knowledge of secured lending, and excellent communication in English and local language. Based at RO, with travel as needed.

Qualifications

• Graduate, preferably in commerce and related streams.
• 2–4 years of banking experience in asset products sales or collections.

Responsibilities

• Lead generation from existing customers or open market through events and activities.
• Assess leads by analyzing credit histories and property evaluation in line with regulations.
• Acquire new housing loan customers and cross-sell to existing customers.
• Monitor installment payments and collections.
• Deepen relationships by cross-selling products as per customer needs.

Skills

Banking sector knowledge

Individual lending knowledge

Basic computer skills

Sales & marketing skills

KYC norms

Credit assessment

Communication skills (English & local)

Education

Graduate in commerce

Tools

MS Office

Outlook

Tablet usage

Job 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

NA

NON-FINANCIAL SIZE

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.
• Ensure adherence to training man-days/ mandatory training programs for self
• Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate, preferably in commerce and related streams

Experience

• Preferred experience of 2-4 years in banking, asset products sales or collection

Certifications

• NA

Functional Skills

• Knowledge of Banking sector
• Knowledge on individual lending - Secured loans/asset products and third-party products
• Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage (tablet)
• Sales and marketing skills – across multiple products
• KYC norms/guidelines for secured loans
• Credit Assessment/Appraisal
• Communication Skills - fluent in the local language & English

Behavioral Skills

• Multiple products selling skills
• Time management
• Customer relations management
• Achievement/performance oriented
• Possesses good interpersonal skills
• Documentation skills
• Willingness to travel & relocation as per business requirements and career opportunities

Competencies Required

• Building Relationship
• Driving Change
• Planning & Organizing
• Collaboration

KEY INTERACTIONS

INTERNAL

EXTERNAL

• Housing Products team
• Regional Products & Marketing departments
• Regional operations Manager
• Collateral contacts of customers

PREPARED BY : Shivkumar V

DATE : 12-12-2023

REVIEWED BY : Pradeep B

DATE : 13-12-2023

LAST UPDATED BY : TM Team

DATE : 11-02-2026