Deputy Relationship Manager-Micro Mortgages

Ujjivan Small Finance Bank; Ahmednagar; On-site; INR 600,000 - 900,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Deputy Relationship Manager for Micro Mortgages at the branch level. The role focuses on lead generation, front-end customer engagement, and managing the loan lifecycle from application through repayment, ensuring portfolio quality.

Candidates should have a commerce degree and at least 2 years in sales and loan documentation, with exposure to housing or property loans. Willingness to travel across the catchment area is required.

Qualifications

• Graduate in Commerce or relevant subject.
• 2 years in sales and documentation of loans; 1 year in housing/home loans or loan against property in NBFC/bank/HFC.
• Certifications shall be an added advantage.
• Knowledge of secured loans/mortgage loans; reading legal papers.

Responsibilities

• Lead generation through regular marketing and sales activities.
• Engage with customers from lead to disbursement, repayment and retention.
• Carry out pre- and post-loan activities, present loan applications to sanctioning committee.
• Visit customers' business and home for assessment; coordinate with credit department.

Skills

Sales

Documentation

Mortgage Loans

Communication

Travel

Education

Graduate in Commerce

Tools

MS Office

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