Relationship Manager-Housing Loans

Ujjivan Small Finance Bank; Telangana; On-site; INR 650,000 - 950,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Relationship Manager for Housing Loans at branch level in India. You will manage end-to-end sales lifecycle, tap prospects, advise on products, and drive market penetration through branches and builder empanelment.

The role requires 2–7 years in sales of housing loans with NBFC/bank exposure and willingness to travel. Candidate will coordinate with Cluster Manager-Housing Loans and Loan Officer-Housing Loans to ensure timely disbursements and quality

Qualifications

• Graduate with 1-2 years of Housing Loans experience within Ujjivan
• Post Graduate with 6-12 months of Housing loans experience

Responsibilities

• Deliver budgeted business figures from branch clusters and oversee manpower across active branches.
• Build a quality portfolio with accountable growth in Housing Loans.
• Align with Branches & Microbanking team to increase HL traffic and enroll builders.
• Targets on number & value of HL files from login to disbursement.
• Attend and address customer queries and manage internal/external relationships.

Skills

Team building

Customer engagement

Regional language fluency

Computer literacy

Education

Graduate with Housing Loans exposure

Post graduate with Housing loans exposure

Tools

Lending Software

MIS systems

Job description

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

• 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

Requirements: