Relationship Manager-Housing Loans

Ujjivan Small Finance Bank; Ankleshwar; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Relationship Manager-Housing Loans to drive end-to-end sales across branches and build a quality HL portfolio. You will coordinate with branches, connectors, and APF builder empanelment while managing customer queries and ensuring timely disbursement.

The role emphasizes aggressive market penetration, cross-selling bank products, and maintaining service standards across all HL activities. Travel and relocation may be required to meet business needs.

Qualifications

• Graduate with 1-2 Year experience in Housing Loans
• 2-7 years in sales and documentation of loans; Housing Loans/OPP experience preferred
• Relevant certifications shall be an added advantage
• Ability to speak/read English and regional language(s) desirable

Responsibilities

• Deliver budgeted HL business figures across branches and build a quality portfolio
• Align with Branches & Microbanking team to increase HL traffic
• Set up distribution via connector enrollment and builder empanelment (APF)
• Achieve targets on number and value of HL files for login, approval, disbursement
• Handle customer queries and grievances within defined TAT

Skills

Sales strategy

Customer engagement

Team building

English communication

Education

Graduate with Housing Loans experience

Post Graduate in Housing loans

Tools

Lending Software

MIS Systems

Job description

POSITION DESCRIPTION

JOB TITLE : Relationship Manager-Housing Loans

GRADE : M

DEPARTMENT : Housing Loans

LOCATION : BRANCH

SUB-DEPARTMENT : TYPE OF POSITION : Full-time

REPORTS TO : Cluster Manager-Housing Loans

REPORTING INTO

Loan Officer-Housing Loans

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 Bank branches, Connectors, customer referrals and marketing activities.
• To set up distribution through builder Empanelment (APF),
• 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.5 Cr. Progressively
• Managing a single product across the branches of operations
• Managing assets like marketing collaterals, Stationary, Dockets and Systems

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

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

• Aligning with bank Branches & Microbanking team for increasing Traffic for HL
• To set up distribution via connector enrollment and engagement through builder Empanelment (APF).
• 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

• 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

Qualifications

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

Experience(Years and Core Experience Type)

• 2 - 7 years in sales and documentation of loans of which at least 2 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

• 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 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

• Good Computer Knowledge
• Competent to handle MIS systems and Lending Software

KEY INTERACTIONS

INTERNAL

• Product and Marketing Team
• Regional Operations, Credit
• Audit, Vigilance and FCU team
• Area Technical Manager
• Legal Vendors
• External marketing agencies
• Competitor Counterparts

EXTERNAL

• Product and Marketing Team
• Regional Operations, Credit
• Audit, Vigilance and FCU team
• Area Technical Manager
• Legal Vendors
• External marketing agencies
• Competitor Counterparts