Relationship Manager - Micro Mortgages

Ujjivan Small Finance Bank Ltd.

Anand

On-site

INR 400,000 - 700,000

Full time

5 hours ago

Be an early applicant

A complete application in a minute

Tailored resume and cover letter, ready to send.

Get past ATS filters

Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Relationship Manager for Micro Mortgages at the branch level. You will manage the complete sales cycle for housing loans, work with branches and connectors to grow the portfolio, and ensure timely disbursement while promoting multiple bank products.

The role requires 5 years in sales and loan documentation, with 2+ years in housing loans. Travel and regional language skills are valued, along with strong customer relationship capabilities.

Qualifications

Graduate with 1-2 years in housing loans.
Post graduate with 6-12 months experience in housing loans.
5 years in sales and documentation of loans with 2+ years in housing loans housing loans exposure.
Certifications in lending are an added advantage.
Ability to speak regional language; English fluency.

Responsibilities

Manage end-to-end sales lifecycle for housing loan prospects and render advice.
Negotiate commercials and ensure timely disbursement while cross-selling bank products.
Develop market penetration via branches, connectors, referrals and marketing activities.
Set up distribution through builder Empanelment (APF).
Mentor and guide loan officers; support career progression.

Skills

Sales experience

Housing loans knowledge

Customer relationship

Team leadership

MIS software

Lending software

Computer literacy

English communication

Regional language

Travel willingness

Education

Graduate with housing loans experience

Post graduate housing loans experience

Housing loan certifications

Tools

MIS software

Lending software

Job description

POSITION DESCRIPTION

JOB TITLE : Relationship Manager-Micro Mortgages

GRADE : M

DEPARTMENT : Micro Mortgages

LOCATION : BRANCH

SUB-DEPARTMENT : TYPE OF POSITION : Full-time

REPORTS TO : Cluster Manager-Micro Mortgages

REPORTING INTO

Relationship Officer-Micro Mortgages

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.15 Cr. Progressively

Managing a single product across the branches of operations

Managing a team size of 5 employees progressively

Managing assets like marketing collaterals, Stationary, Dockets and Systems

Managing hiring and placement of Relationship Officers in required Branches

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

Aligning with bank Branches & Micro banking 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

Mentor loan officer too graduate to next level.

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

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)

5 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.