Relationship Manager - Micro Mortgages

Ujjivan Small Finance Bank Ltd.; Rajkot; On-site; INR 350,000 - 650,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. in Rajkot invites applications for Relationship Manager-Micro Mortgages to drive end-to-end sales of micro mortgage products.

You will engage with customers, assess needs, and provide suitable banking solutions while coordinating with branches and marketing efforts. The role requires hands-on experience in housing loans, strong negotiation skills, and a track record of building productive relationships with builders and customers to grow the micro mortgage

Qualifications

• Graduate with 1-2 years of experience in Housing Loans at Ujjivan.
• Postgraduate with 6-12 months experience in Housing Loans.
• Knowledge of APF builder empanelment and micro mortgage processes.

Responsibilities

• Manage end-to-end sales lifecycle for micro mortgages.
• Negotiate terms and ensure timely loan disbursement.
• Drive market penetration through branches, connectors and referrals.
• Set up distribution via builder Empanelment (APF).
• Mentor loan officers and groom for next levels.
• Attend to customer queries and ensure satisfaction.

Skills

Relationship management

Sales experience

Negotiation

Banking products

Education

Graduate degree

Postgraduate degree

Job description

Job Title

Relationship Manager-Micro Mortgages

Department

Micro Mortgages

Type of Position

Full-time

Reports To

Cluster Manager-Micro Mortgages

Role Purpose Objective

• Managing End-to-End Sales Lifecycle of tapping prospects through marketing activities, understanding their requirement and rendering advice.
• Negotiating commercials, timely disbursement of loans, 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

• 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 Cr. Progressively

Non-Financial Size

• 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 and Responsibilities 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 (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 login 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

Location

Chowk,Rajkot,Rajpipla,Anklav,Morbi,Vadali