Deputy Relationship Manager-Micro Mortgages

Ujjivan Small Finance Bank Ltd.; Dahod; On-site; INR 450,000 - 650,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. invites applications for a Deputy Relationship Manager-Micro Mortgages at the branch level. The role focuses on lead generation, front-end customer engagement, and managing the MLAP loan portfolio within the branch catchment.

The incumbent will handle end-to-end loan processing, assessment visits, and coordination with credit to ensure quality portfolios while meeting disbursement and repayment targets. Willingness to travel within the catchment is essential.

Qualifications

• Graduate in Commerce or relevant subjects.
• 2 years in sales and documentation of loans, with at least 1 year in Housing/Home Loans/OP in NBFC/Bank/HFC.

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 conversions from lead to disbursement and repayment/retention.
• Maintain a portfolio of Rs.5 Cr. and manage a customer base of ~100 progressively.
• Deliver targets on MLAP Loans through open market acquisition and existing customers.
• Visit customer’s business/home for assessment and coordinate with Credit for discrepancies.

Skills

Sales

Documentation

Mortgage loans knowledge

Communication skills

Travel willingness

Education

Graduate in Commerce or relevant subjects

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