Deputy Relationship Manager-Micro Mortgages - Multiple Locations

Ujjivan Small Finance Bank; Neem Ka Thana; On-site; INR 400,000 - 650,000; Full time

Job summary

Ujjivan Small Finance Bank seeks a Deputy Relationship Manager for Micro Mortgages to drive MLAP loan sales from the branch area. The role involves front-end customer interaction, lead generation, and ensuring timely disbursement and recovery while maintaining portfolio quality.

The candidate should manage a portfolio of MLAP products, travel to various locations within the catchment, and coordinate with credit teams to safeguard risk levels. Knowledge of secured loans is advantageous.

Qualifications

• Graduate in Commerce or related subjects.
• 2 years in sales and loan documentation with housing/home loan exposure preferred.

Responsibilities

• Lead generation – conduct regular marketing and sales activities to generate leads.
• Engage with customers at the front end to ensure smooth conversion from lead to disbursement and for repayment and retention.
• Carry out pre- and post-loan activities for MLAP loans and prepare applications for sanctioning committees.
• Travel across the branch catchment to build business and manage a quality portfolio.

Skills

Lead generation

Customer engagement

Sales

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
• 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