Deputy Relationship Manager-Micro Mortgages

Ujjivan Small Finance Bank; Ahmedabad District; On-site; INR 450,000 - 650,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Deputy Relationship Manager for Micro Mortgages at the branch level. You will lead generation efforts, engage customers to convert leads to disbursement, and manage repayment and retention across the branch catchment.

The role requires travel to various areas, handling end-to-end MLAP loan processes, and maintaining portfolio quality while meeting targets. A commerce graduate with 2 years in sales/loan documentation is preferred.

Qualifications

• Graduate in Commerce or relevant subjects.
• 2 years in sales and documentation of loans with at least 1 year in Housing Loans or property loans.
• Certifications are an added advantage.

Responsibilities

• Lead generation through marketing and sales activities to generate leads.
• Engage with customers to convert leads to disbursement, manage repayment and retention.
• Carry out pre- and post-loan activities, analyze finances, present loan applications.
• Travel extensively across the branch catchment to build the business base.

Skills

Sales & marketing

Secured loans/Mortgage

Communication skills

Travel willingness

Education

Graduate in Commerce

Job description

• POSITION DESCRIPTION
  

JOB TITLE : Deputy Relationship Manager-Micro Mortgages
GRADE : DM-II
DEPARTMENT : Micro Mortgages
LOCATION : BRANCH
SUB-DEPARTMENT : TYPE OF POSITION : Full-time
REPORTS TO : Cluster Manager- Micro Mortgages
REPORTING INTO

• ROLE PURPOSE & OBJECTIVE
• Lead Generation – Conduct regular marketing and sales activities to generate leads from the identified markets
• Dealing with the Customers- Engage with the customers at the front end to ensure smooth conversions from lead stage to disbursement and also repayment, recovery and retention.
• SIZE OF THE ROLE
  

FINANCIAL SIZE
NON-FINANCIAL SIZE

• Shall be expected to manage a portfolio of Rs.5 Cr. Progressively
• Managing a single product across the branch catchment area
• Managing a customer base of 100 customers progressively
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE
  

Business/ Financials

• Candidate should be able to deliver targeted business figures from the location of the branch. He/She is also responsible for building a quality portfolio without compromising on quality levels.
• Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion
• Maintain database of the prospects, meet select prospects and manage the relationship thereafter
• Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans
• Should be ready to travel extensively across the catchment area of the location to build the base of business
  

Customer (Both Internal & External)

• 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
• Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization
  

Internal Process

• Carry out the pre and post-loan activities related to MLAP 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 “Product Policy” procedures.
• Coordinate with the credit department in case of identifying discrepancies or problems in customer’s information, reports, etc. through Cluster Manager – MLAP
  

Innovation & Learning

• Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch
• Inform Cluster Manager – MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis
• Ensure adherence to training man-days/ mandatory training programs for self
• Should be updated with the latest trends in civic and local laws of the location of operation.
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
  

Educational
Qualifications

• Graduate in Commerce or relevant subjects
  

Experience(Years and Core Experience Type)

• 2 years in sales and documentation of loans of which at least 1 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

• Knowledge of Secured loans/ Mortgage Loans
• Sales and marketing skills – Retail financial products
• Communication Skills - fluent in the local language & can read-write basic English
• Equipped enough to read and understand the legal papers
  

Behavioral Skills

• Sound Product knowledge
• Willingness to travel across the branches and catchment to expand the business
• Managing customer relations
• Performance oriented
  

Competencies

• Good Computer Knowledge
• KEY INTERACTIONS
  

INTERNAL
EXTERNAL

• Branch Managers
• Regional Operations, Credit
• IL Loan Officers, CROs
• Area Technical Manager
• Legal Vendors
• External marketing agencies
• Competitor Counterparts
  

PREPARED BY : PRESHAANTH R
DATE : 18-09-2021
REVIEWED BY : PRADEEP B
DATE : 18-09-2021
LAST UPDATED BY : TM Team
DATE : 11-02-2026