Relationship Manager-Housing Loans

Ujjivan Small Finance Bank; Thiruvallur District; On-site; INR 600,000 - 900,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Relationship Manager-Housing Loans at branch level to manage end-to-end sales lifecycle, engage with branches, connectors and builders for channelizing housing loan business, and ensure timely disbursement along with cross-selling bank products.

The role emphasizes building a quality housing loan portfolio, meeting targets, and maintaining strong customer relationships across internal and external stakeholders.

Qualifications

• Graduate with 1-2 year experience in Housing Loans
• Post Graduate with 6-12 months experience in Housing loans
• 2-7 years in sales and documentation of loans, with at least 2 years in Housing Loans, home loans or loan against property

Responsibilities

• Deliver budgeted business figures by deploying manpower across active branches and building a quality portfolio
• Align with Branches & Microbanking team to increase HL traffic and set up distribution via connector enrollment
• Targets on number & value of files for log-in, approval and disbursement of HL
• Attend and address customer queries within defined TAT and maintain customer satisfaction

Skills

Team leadership

Sales performance

Marketing & promotions

English communication

Computer literacy

Education

Graduate

Post Graduate

Tools

Lending Software

MIS Systems

Job description

Job 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 opportunitiesManaging 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

Requirements