Relationship Manager - Micro Mortgages

Ujjivan Small Finance Bank Ltd.

Vadali

On-site

INR 600,000 - 1,000,000

Full time

4 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. hires a Relationship Manager-Micro Mortgages at a branch to drive end-to-end mortgage sales, advise customers, and coordinate disbursements. The role requires tapping prospects, marketing activities, and managing a team to meet targets.

Ideal candidates have 5 years in sales and housing loan experience, with at least 2 years in housing loans. The position emphasizes relationship management, market expansion, and collaboration with branches.

Qualifications

Graduate with housing loan experience at Ujjivan is preferred.
Post graduate with housing loan exposure is acceptable.
Experience in sales and documentation of housing loans is required.

Responsibilities

Managing end-to-end sales life cycle for mortgage prospects and advising on bank products.
Negotiating terms and ensuring timely disbursement of loans.
Implementing market penetration tactics via branches, connectors, referrals and builder empanelment.
Developing distribution through builder empanelment (APF).
Manage a portfolio and support a team of officers.

Skills

Team building

Sales performance

Customer engagement

Marketing & promotions

Regional language + English

Computer literacy

MIS systems

Lending software

Communication skills

Travel willingness

Education

Graduate with 1-2 year housing loan experience at Ujjivan

Post Graduate 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

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.