Relationship Manager-Micro Mortgages

Ujjivan Small Finance Bank; Hosapete; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. seeks a Relationship Manager for Micro Mortgages at the branch level. You will manage end-to-end sales, engage with branches, connectors, and customers, and drive disbursement and cross-sell of bank products.

The role expects prior housing loan sales experience and strong relationship-building skills. Based at a branch location, the incumbent will lead a small team, mentor officers, and ensure delivery against targets while maintaining high service standards.

Qualifications

• Graduate with 1-2 years housing loan experience at Ujjivan.
• Post Graduate with 6-12 months housing loan experience.

Responsibilities

• Handle end-to-end sales lifecycle for micro mortgage products.
• Negotiate terms, ensure timely disbursement, upsell bank products.
• Drive market penetration via branches, connectors and referrals.
• Lead distribution through builder empanelment (APF).
• Manage a portfolio of loans and a team at branch level.
• Ensure customer queries and grievances are addressed within defined TAT.

Skills

Team leadership

Sales excellence

Customer engagement

Communication

MS Office

Education

Graduate with housing loans exposure

Post Graduate with housing loans exposure

Tools

Lending software

MIS reporting

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

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)

• 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.
• 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 : Preshaanth R

  DATE : 12-12-2023

  REVIEWED BY : Pradeep B

  DATE : 13-12-2023

  LAST UPDATED BY : TM Team

  DATE : 15-01-2024

  This is Public document.