Relationship Manager-Housing Loans

Ujjivan Small Finance Bank

Ballari District

On-site

INR 500,000 - 800,000

Full time

3 days ago

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Job summary

Ujjivan Small Finance Bank is seeking a Relationship Manager for Housing Loans to handle end-to-end sales, identify prospects through marketing efforts, and provide advisory support. The role centers on negotiating terms and ensuring timely disbursement while expanding market reach through branches and connectors.

It also involves building a strong portfolio via builder empanelment (APF) and working across branches to meet targets with a focus on customer service and compliance.

Qualifications

2–7 years in sales and documentation of loans, with 2+ years in housing loans.
Graduate with 1–2 years in housing loans or Post Graduate with 6–12 months experience.
Experience in NBFC/Bank/HFC housing loan environments preferred.

Responsibilities

Manage end-to-end sales life cycle for housing loans.
Negotiate terms and ensure timely loan disbursement.
Enhance market penetration via branches, connectors and marketing.
Set up distribution through builder empanelment (APF).
Maintain quality portfolio and achieve branch-level targets.

Skills

Sales lifecycle

Negotiation

Market penetration

Builder Empanelment

Relationship building

Education

Graduate

Post graduate

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.