Verified Job
Accounting - Finance
Deputy Relationship Manager-Micro Mortgages
Accounting - Finance
#794936
Remote / WFH
Ujjivan Small Finance Bank
Job Description
• POSITION DESCRIPTION
JOB TITLE : Deputy Relationship Manager-Micro Mortgages
GRADE : DM-II
DEPARTMENT : Micro Mortgages
LOCATION : BRANCH
SUB-DEPARTMENT : TYPE OF POSITION : Full-time
REPORTS TO : Cluster Manager- Micro Mortgages
REPORTING INTO
• ROLE PURPOSE &
• OBJECTIVE
• Lead Generation –
• Conduct regular marketing and sales activities to generate leads from the identified markets
• Dealing with the Customers- Engage with the customers at the front end to ensure smooth conversions from lead stage to disbursement and also repayment, recovery and retention.
• SIZE OF THE ROLE
FINANCIAL SIZE
NON-FINANCIAL SIZE
• Shall be expected to manage a portfolio of Rs.5 Cr. Progressively
• Managing a single product across the branch catchment area
• Managing a customer base of 100 customers progressively
• KEY DUTIES &
RESPONSIBILITIES OF THE ROLE
Business/ Financials
• Candidate should be able to deliver targeted business figures from the location of the branch. He/She is also responsible for building a quality portfolio without compromising on quality levels.
• Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion
• Maintain database of the prospects, meet select prospects and manage the relationship thereafter
• Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans
• Should be ready to travel extensively across the catchment area of the location to build the base of business
Customer (Both Internal &
• External)
• Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective
• Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization
Internal Process
• Carry out the pre and post-loan activities related to MLAP Loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality
• Visit the customer’s business and home to do the assessment/evaluation, following the “Product Policy” procedures.
• Coordinate with the credit department in case of identifying discrepancies or problems in customer’s information, reports, etc. through Cluster Manager –
• MLAP
Innovation &
• Learning
• Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch
• Inform Cluster Manager –
• MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis
• Ensure adherence to training man-days/ mandatory training programs for self
• Should be updated with the latest trends in civic and local laws of the location of operation.
• MINIMUM REQUIREMENTS OF KNOWLEDGE &
SKILLS
Educational
Qualifications
• Graduate in Commerce or relevant subjects
Experience(Years and Core Experience Type)
• 2 years in sales and documentation of loans of which at least 1 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
• Knowledge of Secured loans/ Mortgage Loans
• Sales and marketing skills –
• Retail financial products
• Communication Skills - fluent in the local language & can read-write basic English
• Equipped enough to read and understand the legal papers
Behavioral Skills
• Sound Product knowledge
• Willingness to travel across the branches and catchment to expand the business
• Managing customer relations
• Performance oriented
Competencies
• Good Computer Knowledge
• KEY INTERACTIONS
INTERNAL
EXTERNAL
• Branch Managers
• Regional Operations, Credit
• IL Loan Officers, CROs
• Area Technical Manager
• Legal Vendors
• External marketing agencies
• Competitor Counterparts
JOB TITLE : Deputy Relationship Manager-Micro Mortgages
GRADE : DM-II
DEPARTMENT : Micro Mortgages
LOCATION : BRANCH
SUB-DEPARTMENT : TYPE OF POSITION : Full-time
REPORTS TO : Cluster Manager- Micro Mortgages
REPORTING INTO
• ROLE PURPOSE &
• OBJECTIVE
• Lead Generation –
• Conduct regular marketing and sales activities to generate leads from the identified markets
• Dealing with the Customers- Engage with the customers at the front end to ensure smooth conversions from lead stage to disbursement and also repayment, recovery and retention.
• SIZE OF THE ROLE
FINANCIAL SIZE
NON-FINANCIAL SIZE
• Shall be expected to manage a portfolio of Rs.5 Cr. Progressively
• Managing a single product across the branch catchment area
• Managing a customer base of 100 customers progressively
• KEY DUTIES &
RESPONSIBILITIES OF THE ROLE
Business/ Financials
• Candidate should be able to deliver targeted business figures from the location of the branch. He/She is also responsible for building a quality portfolio without compromising on quality levels.
• Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion
• Maintain database of the prospects, meet select prospects and manage the relationship thereafter
• Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans
• Should be ready to travel extensively across the catchment area of the location to build the base of business
Customer (Both Internal &
• External)
• Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective
• Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization
Internal Process
• Carry out the pre and post-loan activities related to MLAP Loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality
• Visit the customer’s business and home to do the assessment/evaluation, following the “Product Policy” procedures.
• Coordinate with the credit department in case of identifying discrepancies or problems in customer’s information, reports, etc. through Cluster Manager –
• MLAP
Innovation &
• Learning
• Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch
• Inform Cluster Manager –
• MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis
• Ensure adherence to training man-days/ mandatory training programs for self
• Should be updated with the latest trends in civic and local laws of the location of operation.
• MINIMUM REQUIREMENTS OF KNOWLEDGE &
SKILLS
Educational
Qualifications
• Graduate in Commerce or relevant subjects
Experience(Years and Core Experience Type)
• 2 years in sales and documentation of loans of which at least 1 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
• Knowledge of Secured loans/ Mortgage Loans
• Sales and marketing skills –
• Retail financial products
• Communication Skills - fluent in the local language & can read-write basic English
• Equipped enough to read and understand the legal papers
Behavioral Skills
• Sound Product knowledge
• Willingness to travel across the branches and catchment to expand the business
• Managing customer relations
• Performance oriented
Competencies
• Good Computer Knowledge
• KEY INTERACTIONS
INTERNAL
EXTERNAL
• Branch Managers
• Regional Operations, Credit
• IL Loan Officers, CROs
• Area Technical Manager
• Legal Vendors
• External marketing agencies
• Competitor Counterparts
