Deputy Relationship Manager-Micro Mortgages

Ujjivan Small Finance Bank Ltd.; Chhatrapati Sambhajinagar District; On-site; INR 600,000 - 800,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Deputy Relationship Manager for Micro Mortgages at a branch. The role involves driving lead generation, engaging customers for loan disbursement and repayment, and managing the MLAP portfolio with focus on quality and growth.

The candidate should have 2 years in loan sales, with at least 1 year in housing or property loans, and a commerce background. Willingness to travel across the catchment area is essential.

Qualifications

• Graduate in Commerce or relevant subjects.
• 2 years in loan sales and documentation; 1 year in housing/home loans or loan against property.
• Relevant certifications are an added advantage.

Responsibilities

• Lead generation through regular marketing and sales activities.
• Interact with customers to move from lead to disbursement, repayment, and retention.
• Carry out pre/post-loan activities and present applications to sanctioning committee.
• Travel extensively within the branch catchment to grow business.

Skills

Secured loans

Mortgage loans

Sales & marketing

Customer relations

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

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 B: TM Team

DATE : 11-02-2026