Relationship Manager-Micro Mortgages

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

Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Relationship Manager-Micro Mortgages to drive end-to-end sales lifecycle, tapping prospects through marketing activities and advising on housing loan products.

The role reports to the Cluster Manager-Micro Mortgages and will manage a team at branch level. The candidate should have 5+ years in sales with housing loan exposure, strong relationship-building skills, and willingness to travel as required.

Qualifications

• 5 years in sales and loan documentation, with at least 2 years in housing loans in NBFC/bank.
• Graduates with relevant housing loan exposure will be preferred.
• Ability to manage end-to-end loan lifecycle and customer onboarding.
• Willing to travel/relocate as per business needs.

Responsibilities

• Manage end-to-end sales lifecycle from tapping prospects to advisory close.
• Negotiate terms and ensure timely loan disbursal and cross-sell bank products.
• Set up distribution via builder empanelment (APF) and connector engagement.
• Handle portfolio growth, target log-ins and disbursements for housing loans.
• Mentor loan officers and groom successors for cluster leadership.

Skills

Team management

Sales

Customer engagement

English proficiency

Regional language proficiency

Computer literacy

Education

Graduate in any discipline

Postgraduate with 6-12 months housing loan experience

Tools

MIS systems

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

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.