Relationship Manager-Housing Loans

Ujjivan Small Finance Bank; Mysuru; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Relationship Manager for Housing Loans to drive end-to-end HL sales, build a quality portfolio and coordinate with branches for market expansion.

The role requires strong relationship skills, target orientation and willingness to travel across branches to achieve HL growth.

Qualifications

• 2-7 years in sales of loans, with at least 2 years in Housing Loans.
• Graduate with 1-2 years experience in Housing Loans or PG with 6-12 months in Housing loans.
• Willingness to travel and relocation as per business needs.

Responsibilities

• Manage end-to-end sales life cycle for HL; tap prospects and render advice.
• Negotiate terms, ensure timely disbursement, cross-sell bank products.
• Increase market penetration via branches, connectors and marketing activities.
• Set up distribution via builder Empanelment (APF) across branches.
• Deliver budgeted targets and build a quality HL portfolio.

Skills

Sales experience

Customer relationship

Communication

Willingness to travel

Education

Graduate degree

Post Graduate (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

EXTERNAL

• Product and Marketing Team


• Regional Operations, Credit


• Audit, Vigilance and FCU team


• Area Technical Manager


• Legal Vendors


• External marketing agencies


• Competitor Counterparts

PREPARED BY: Shiv Kumar
DATE: 22-01-2024
REVIEWED BY: Pradeep B
DATE: 22-01-2024
LAST UPDATED BY: TM Team
DATE: 22-01-2025