Relationship Manager - Micro Mortgages
Ujjivan Small Finance Bank
- POSITION DESCRIPTION
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
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
- 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
- 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.
- FTR on all work/processes/ files
- Well spread file flow of log-in and disbursal over a month.
- Documentation and preparation of process manuals
- 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
Qualifications
- Graduate with 1 -2 Year experience in Ujjivan in Housing Loans
- Post Graduate with 6-12 months experience in Housing loans
- 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
- Relevant certifications shall be an added advantage
- 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
- Sound Product knowledge
- Should possess Training Skills
- Willingness to travel & relocation as per business requirements and career opportunities
- Managing customer relations
- Performance oriented
- Good Computer Knowledge
- Competent to handle MIS systems and Lending Software
- KEY INTERACTIONS
EXTERNAL
- Product and Marketing Team
- Regional Operations, Credit
- Audit, Vigilance and FCU team
- Area Technical Manager
- Legal Vendors
- External marketing agencies
- Competitor Counterparts
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.