Relationship Manager-Housing Loans

Ujjivan Small Finance Bank Ltd.

Mysuru

On-site

INR 450,000 - 700,000

Full time

14 days+

Application generator

Don’t send a generic resume — generate a resume and cover letter tailored to this exact role.

Get past ATS filters

Job summary

Ujjivan Small Finance Bank Ltd. invites applications for Relationship Manager - Housing Loans at the branch level. You will manage the end-to-end sales lifecycle, tap prospects, assess requirements, and render suitable loan advice.

The role emphasizes achieving budgeted business figures through branch collaboration, builder empanelment, connectors, and customer referrals. You will coordinate with the Housing Loans team to optimize disbursements and cross-sell bank products.

Qualifications

Graduate with 1-2 years of housing loans experience.
Post Graduate with 6-12 months experience in housing loans.
2-7 years in sales and documentation of loans, with housing-related experience preferred.

Responsibilities

Deliver budgeted business figures from the cluster through adequate manpower at branches.
Align with branches and microbanking teams to increase housing loan traffic.
Set up distribution via connector enrollment and builder empanelment (APF).
Targets on number and value of HL files for login, approval, and disbursement.
Maintain a quality portfolio and manage cross-sell of bank products.
Attend to customer queries and manage internal/external relationships within defined TAT.

Skills

Sales leadership

Customer relationship

Marketing coordination

Regional language

MIS & Lending software

Computer literacy

Education

Graduate with 1-2 year housing loans experience

Post Graduate with 6-12 months housing loans experience

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