Relationship Manager - Micro Mortgages

Ujjivan Small Finance Bank Ltd.; Umreth; On-site; INR 600,000 - 900,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. invites applications for a Relationship Manager-Micro Mortgages positioned at branch level. The role entails end-to-end sales, active market expansion, and managing a team to service housing loan products.

Strong emphasis on customer engagement and cross-selling of bank products is required. The candidate should have 5 years of sales experience, with housing loan exposure, and willingness to travel as needed within the branch network.

Qualifications

• 5 years in sales and documentation of loans with focus on housing loans.

Responsibilities

• Manage end-to-end sales lifecycle for micro mortgage products.
• Negotiate terms and ensure timely loan disbursement.
• Expand market reach via branches, connectors, and referrals.
• Develop builder empanelment (APF) distribution.
• Supervise a team of relationship officers at branches.
• Maintain portfolio quality and meet targets.

Skills

Team leadership

Customer engagement

Languages (regional)

Computer literacy

Education

Graduate with housing loans exposure

Postgraduate with housing loans exposure

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

• 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.