IJP- Relationship Officer - Micro Mortgages - 4480 -Himmatnagar

Ujjivan Small Finance Bank Ltd.; Himatnagar; Presencial; INR 400.000 - 600.000; Jornada completa

Descripción de la vacante

Ujjivan Small Finance Bank Ltd. invites applications for the position of Relationship Officer- Micro Mortgages at the branch level. The role centers on lead generation, front-end customer engagement, and seamless progression from lead to disbursement while maintaining repayment, recovery and portfolio quality.

It reports to the Cluster Manager- Micro Mortgages. Candidate should be a Graduate in Commerce or related subjects with about 2 years in sales and loan documentation, preferably housing

Formación

• Graduation in Commerce or related field is required.
• 2 years of sales experience, with housing/home loan exposure preferred.
• Good communication skills in local language and basic English.

Responsabilidades

• Generate leads through local markets and branch activities.
• Engage with customers to convert leads into MLAP loans and manage portfolio quality.
• Maintain prospects database and build relationships for ongoing business.
• Travel across the catchment area to expand business.

Conocimientos

Sales

Communication skills

Willingness to travel

Computer literacy

Educación

Graduate in Commerce or relevant subjects

Descripción del empleo

Job Description:

• POSITION DESCRIPTION

• JOB TITLE : Relationship Officer- 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

• Shall be expected to manage a portfolio of Rs.5 Cr. Progressively
• Managing a single product across the branch catchment area
• Managing the customer base of 100 customers progressively

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

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

PREPARED BY & REVIEWS

• PREPARED BY : PRESHAANTH R
• DATE : 18-09-2021
• REVIEWED BY : PRADEEP B
• DATE : 18-09-2021
• LAST UPDATED BY : TM Team
• DATE : 15-01-2024

Requirements: