Deputy Relationship Manager-Fast Track Loan - KA & TN
Ujjivan Small Finance Bank
- POSITION DESCRIPTION
DEPARTMENT SOUTH BUSINESS LOCATION #*Current Office Location*#
SUB-DEPARTMENT NA TYPE OF POSITION Full-time
REPORTS TO #*Reporting Designation*# REPORTING INTO NA
ROLE PURPOSE & OBJECTIVE
The Deputy Relationship Manager for Fast Track Loan within the South Business department at Ujjivan Small Finance Bank plays a pivotal role in driving the growth and management of the bank's fast track loan portfolio. This position requires a strategic and customer-centric professional who can effectively manage client relationships, assess creditworthiness, and ensure timely disbursal of loans while adhering to regulatory and internal compliance standards. The role demands collaboration with cross-functional teams to optimize loan processing, mitigate risks, and enhance customer satisfaction in a competitive banking environment focused on financial inclusion and rapid service delivery.
SIZE OF THE ROLE
FINANCIAL SIZE NON-FINANCIAL SIZE
Not Applicable Not Applicable
Key Duties And Responsibilities Of The Role
- Manage and nurture relationships with existing and prospective clients to promote fast track loan products tailored to their financial needs.
- Conduct thorough credit appraisals and risk assessments to ensure the quality and profitability of the loan portfolio.
- Coordinate with credit, legal, and compliance teams to ensure all loan disbursals meet regulatory guidelines and internal policies.
- Drive the end-to-end loan processing cycle, ensuring timely documentation, verification, and disbursal to meet customer expectations.
- Identify opportunities for cross-selling and upselling additional banking products to enhance customer value and bank revenue.
- Monitor loan repayments and proactively manage delinquency by engaging with customers to resolve issues and minimize non-performing assets.
- Prepare detailed reports on loan portfolio performance, market trends, and customer feedback for senior management review.
- Collaborate with marketing and product teams to develop and implement strategies that increase loan penetration in the South Business region.
- Train and mentor junior relationship managers and field staff to improve team effectiveness and customer engagement.
- Stay updated with industry developments, regulatory changes, and competitive landscape to adapt strategies accordingly.
MINIMUM REQUIREMENTS OF KNOWLEDGE AND SKILLS
- Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
- Minimum of 4-6 years of experience in retail banking or microfinance, with a focus on loan portfolio management and customer relationship management.
Certifications #*Required Certification/s*#
Functional Skills
- Credit Risk Assessment
- Loan Portfolio Management
- Customer Relationship Management (CRM)
- Regulatory Compliance in Banking
- Financial Analysis and Reporting
- Cross-selling and Upselling Techniques
- Negotiation and Conflict Resolution
- Team Leadership and Mentoring
- Market Research and Competitive Analysis
- Documentation and Loan Processing
- Credit Risk Assessment
- Loan Portfolio Management
- Customer Relationship Management (CRM)
- Regulatory Compliance in Banking
- Financial Analysis and Reporting
- Cross-selling and Upselling Techniques
- Negotiation and Conflict Resolution
- Team Leadership and Mentoring
- Market Research and Competitive Analysis
- Documentation and Loan Processing