Relationship Manager-DSA-Housing Loans

Ujjivan Small Finance Bank

Vasai-Virar

On-site

INR 600,000 - 900,000

Full time

3 days ago

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Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Relationship Manager-DSA-Housing Loans at a branch location. You will manage end-to-end sales, engage with DSA channels, and drive housing loan disbursements across the branch network.

You will coordinate with DSAs, negotiate terms, and work towards achieving monthly and quarterly targets while ensuring customer satisfaction and compliance with bank policies.

Qualifications

Graduate with 1-2 year experience in Housing Loans.
Post Graduate with 6-12 months experience in Housing loans.
3 years in sales and documentation of loans with at least 1 year in Housing Loans handling DSA’s, home loans or loan against property.

Responsibilities

Managing end-to-end sales life cycle of tapping prospects through marketing activities and understanding their requirement.
Negotiating commercials and ensuring timely disbursement of loans along with providing other bank products.
Implementing tactics to enhance market penetration through DSA channels and marketing activities.
Setting up distribution DSA channel involving empanelment and handling cases referred by DSAs.
Delivering budgeted business figures from the Cluster through manpower allocation across branches.

Skills

Sales

Customer relationships

Team coordination

DSA liaison

Housing loans knowledge

Education

Graduate with Housing Loans experience

Post graduate with 6-12 months in Housing loans

Tools

MIS systems

Lending software

Job description

POSITION DESCRIPTION

JOB TITLE : Relationship Manager-DSA-Housing Loans

GRADE : M

DEPARTMENT : Housing Loans

LOCATION : BRANCH

SUB-DEPARTMENT : DSA

TYPE OF POSITION : Full-time

REPORTS TO : Regional Sales Manager-DSA

REPORTING INTO

ROLE PURPOSE & OBJECTIVE

Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering advice
Negotiating commercials, timely disbursement of loan and providing other Bank Products.
Implementing tactics to enhance market penetration through DSA channels & marketing activities.
To set up distribution DSA channel involving in DSA empanelment & handling cases referred by DSA’s directly.
Applicable to all loan officers with 12 Months of service

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Cost of hiring and placing new Relationship Officers at Branches
Operational Cost of managing the Conveyance and Claims of Relationship Officers
Cost of procurement marketing collaterals, sales aids
Shall be expected to manage a portfolio of Rs.15 Cr. Progressively
Managing a single product across the branches of operations
Managing a team size of 5 employees progressively
Managing assets like marketing collaterals, Stationary, Dockets and Systems
Managing hiring and placement of Relationship Officers in required Branches

Candidate should be able to deliver budgeted business figures from the Cluster of control through placing adequate manpower across active branches. He/She is also responsible for building a quality portfolio without compromising on quantum of business

Business/ Financials

Engaging & empaneling with various DSA’s in that particular location for increasing Traffic for HL
To set up distribution via DSA enrollment across the location.
Targets on number & value of files for Log-in, approval, disbursement of HL
65% of target of HL 15% from FD, 15% of S/A and 10% of standalone Insurance
Collection of Bounced cases for no zero default track of all customers sourced.
FTR on all files

Customer (Both Internal & External)

Attend and address customer queries and grievances within the defined TAT.
Managing internal and external customer relationship to ensure customer satisfaction.
Ensure customers are educated about all products/services offered by Ujjivan.
Ensure lower customer attrition by providing different products as per customer requirement.
Focus on lower TAT as per laid down standards.

Internal Process

FTR on all work/processes/ files
Well spread file flow of log-in and disbursal over a month.
Documentation and preparation of process manuals

Innovation & Learning

Mentor loan officer too graduate to next level.
Work towards grooming self for next level of cluster manager with help of Cluster Manager & Area Manager.
Completion of goal setting and appraisal on time

Minimum Requirements of Knowledge & Skills

Educational

Graduate with 1 -2 Year experience in Housing Loans
Post Graduate with 6-12 months experience in Housing loans

Experience(Years and Core Experience Type)

3 years in sales and documentation of loans of which at least 1 year in Housing Loans handling DSA’s, 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

Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing business at Cluster level.
Ability to engage with DSA’s, customers, Plan & execute Marketing and Sales promotion
Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language.
Adequate Computer knowledge

Behavioral Skills

Sound Product knowledge
Should possess Training Skills
Willingness to travel & relocation as per business requirements and career opportunities
Managing customer relations
Performance oriented

Competencies