Relationship Manager-Micro Mortgages-Multiple Locations

Ujjivan Small Finance Bank

Dhar

In loco

INR 600.000 - 900.000

Tempo pieno

8 giorni fa

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Descrizione del lavoro

Ujjivan Small Finance Bank in India seeks a Relationship Manager for Micro Mortgages to drive end-to-end housing loan sales at the branch level, engage customers, and coordinate with marketing and operations.

You will build distributor links through builder empanelment (APF), manage a team of five officers, ensure timely disbursement, and meet targets across branches while delivering superior customer service. Strong communication in English and local languages preferred.

Competenze

Graduate with 1-2 year experience in Housing Loans
Post Graduate with 6-12 months experience in Housing loans
Experience in sales and documentation of housing loans preferred

Mansioni

Manage end-to-end sales lifecycle of housing loans and related banking products.
Negotiate commercials and ensure timely disbursement of loans.
Set up distribution via builder empanelment (APF) and connectors; engage through marketing activities.
Lead a team; manage a portfolio of Rs.15 Cr and drive branch-level housing loan targets.

Conoscenze

Team building

Sales promotion

Customer communication

Regional language

English communication

Computer literacy

Formazione

Graduate with housing loans experience

Post Graduate with housing loans experience

Strumenti

MIS systems

Lending Software

Descrizione del lavoro

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

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

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