Walk-in | Sales Officer

SMFG INDIA CREDIT COMPANY; Andhra Pradesh; On-site; INR 500,000 - 750,000; Full time

Job summary

SMFG INDIA CREDIT COMPANY is seeking an Individual Relationship Officer Mortgage to drive mortgage growth through primary sourcing and strong client engagement. You will build a salaried and self-employed database, coordinate with risk and legal teams for timely documentation, and ensure portfolio health while meeting conversion targets.

The role demands active field sourcing, market awareness, and adherence to policy while maintaining a solid customer relationship network to generate revenue.

Qualifications

• Understanding of Mortgage business.
• Knowledge of local market conditions.
• Competitor knowledge.
• Fundamental legal documentation understanding.

Responsibilities

• Preserve a productive pipeline and build relationships with customers.
• Coordinate with Risk and Legal teams to ensure documentation clearance.
• Achieve Login to Conversion target and LI proposals as per policy.
• Maintain delinquency and portfolio quality in line with norms.
• Engage with customers to source new mortgage business and gather references.

Skills

Understanding of Mortgage

Local market knowledge

Competitor knowledge

Legal documentation understanding

Education

Graduate

Job description

Job Description

Job TitleIndividual Relationship Officer Mortgage Function / DepartmentRural Department HeadBusiness Head Reporting ManagerUnit Manager

Purpose of the Job:

Contribute to the growth of mortgage business by sourcing new customers majorly by own sourcing, complemented by the quality of sourcing reflected in delinquency and run-offs. Part of the role also demands him to contribute to the revenue by doing LI.

Describe the KPIs against each perspective

PerspectiveKey Performance Indicators

• Business and Financial Management- Delivery in Volume
• - Percentage payout to channel as required
• - Insurance Achievement
• - DelinquencyCustomer Focus- Possession of database of salaried and self employed customers.
• - Portfolio Management
• - Attending customer queries & resolution in TAT.
• - No.of cases where PDD is incomplete.
• People / Team- Actively co-ordinate with the Risk and Legal team to ensure closure in documentation.
• - Co-ordinate with the Unit Manager / CBM to ensure closure on disbursal.
• - Ensure all exceptions raised are cleared within the TAT.Process / Quality Improvement- Adherance to process and Quality manifested in a Login to Conversion ratio of 60%
• - No.of rejects due to non-adherence in providing documents while logging in.

SCOPE & DISCRETION (Span of control)

Total no. of employees supervised with details

GradeO1 to 04M1 to M3SM1 to SM3Nos.

NANANA

Sr. No.Direct Reportees

(functional title/role title)Indicate brief job purpose1NA 2NA

Self deliverables

The most important tasks performed on an individual basis without involving subordinates are

Sr. NoTask performed

• 1Awareness of the local land legal constituents
• 2Possess database of all the schools, colleges, industries and potential bases for salaried business.
• 3Create Awareness in the market through direct or indirect marketing activities
• 4Tracks competition in terms of rates, proposals and policy.
• 5Gathering and building on references.
• 6Is constantly monitoring the quality of the portfolio and performance.
• 7Provide solutions to issues faced and thoughts which can lead to more business generation
• 8Has a productive pipeline.
• 9Builds and maintains a steady relationship with customers.
• 10Ensure Login to conversion ratio is maintained at 60%
• 11Ensuring 100% of the proposals are given LI
• 12Have a concrete understanding of the Mortgage policy in terms of documents required, process to be followed.
• 13Ensure all the cases are legally cleared before disbursing the case.
• 14Ensure delinquency is within the norms and provide adequate support to the collection team as and when the need arises.
• 15Ensure delivery is spaced out through the month rather than accumulation towards month end.
• 16Ensure all the documents are given at the time of login to help risk in taking a decision on the case
• 17Pre-screening of documents before login.
• 18Presenting cases for rate waivers and following on approvals
• 19Ensure rejection percentage is below the threshold set.
• 20Where required provide for re-look of rejected cases
• 21Liaises with the risk team to do PD in every case 22Meets atleast 3 new customers everyday.

Degree Influenced

Geography : With the Location

Challenge

Challenge on working relationships, both internal & external contacts

Sr. NoMost frequent contactsNature or purpose

• 1Businesses/Business marketing
• 2Risk Team
• 3Legal Team

Sr.NoPeer

• 1IRO
• 2GCO
• 3TO

Other factors relevant to the job

Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required)

Sr. NoOther relevant factors (Required Skills)

• 1Achievement Orientation
• 2Commitment
• 3Conscientiousness
• 4Legal Understanding
• 5Product understanding
• 6Ability to present a case basis the policy

Expertise required/ Domain Knowledge:

• a) Understanding of Mortgage business
• b) Knowledge of local market conditions
• c) Competitor knowledge
• d) Fundamental legal documentation understanding.

No. of years of relevant experience:

1yr to 5yrs

Any specific specialization/education:

Graduate