Deputy Relationship Manager-Micro Mortgages

Ujjivan Small Finance Bank Ltd.; Belagavi District; On-site; INR 400,000 - 700,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Deputy Relationship Manager-Micro Mortgages at branch level. The role focuses on lead generation, customer engagement, and end-to-end loan processing for MLAP products.

You will travel within the catchment to build the business and ensure portfolio growth. Qualification requires a commerce background with 2 years in loan sales, a willingness to travel, and strong communication skills in local language with basic English.

Qualifications

• Graduate in Commerce or relevant subjects.
• 2 years in sales and documentation of loans, with housing/home/OPP exposure preferred.
• Certifications would be an added advantage.

Responsibilities

• Lead Generation – conduct regular marketing and sales activities to generate leads from identified markets.
• Engage with customers at the front end to ensure smooth conversion from lead to disbursement and repayment.

Skills

Sales

Communication

Customer relations

Travel readiness

Education

Commerce graduate

Tools

Computer skills

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

• The role is 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.

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

INTERNAL

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

EXTERNAL

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