Deputy Relationship Manager-Micro Mortgages

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

Job summary

Ujjivan Small Finance Bank invites applications for Deputy Relationship Manager-Micro Mortgages at a branch. You will lead generation, engage with customers at the front end to convert leads to disbursement, and manage repayment and retention.

You will also handle a portfolio of Rs.5 Cr progressively, focus on a single product in the branch catchment, and grow a customer base of about 100 while maintaining portfolio quality.

Qualifications

• Graduate in Commerce or relevant subjects.
• 2 years in sales and documentation of loans, with at least 1 year in housing/home loans.
• Relevant certifications would be an added advantage.
• Able to read and understand legal papers.

Responsibilities

• 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.

Skills

Secured loans knowledge

Mortgage loans

Sales & marketing

Communication skills

Legal literacy

Computer literacy

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

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

• 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 BY : TM Team

DATE : 11-02-2026