POSITION DESCRIPTION

JOB TITLE : Deputy Relationship Manager-Housing Loans

GRADE : DM-II

DEPARTMENT : Housing

LOCATION : RO

SUB-DEPARTMENT : NA

TYPE OF POSITION : Full-time

REPORTS TO : Cluster Manager /Sr. Cluster Manager- Housing

REPORTING INTO

NA

ROLE PURPOSE & OBJECTIVE
Lead Generation - Identify quality leads from existing customer base /open market by conducting various events and activities
Assessment of leads - Evaluate the leads generated by analyzing credit histories & property evaluation by adhering to internal and external regulations
Acquire new Housing Loans (HL) – Secured home loans customers from open market / cross sell to existing customers
Monitor installment payments and collections of customers
Deepen relationship with the existing customers by cross-selling Ujjivan's products as per the profile & need of the customers
SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

NA

NA

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

Achieve the set targets on HL-Secured Loans in terms of open market acquisition and existing customer conversion
Maintain database of prospects, meet select prospects and manage the relationship thereafter
Follow up on leads provided by call center / liabilities team within defined TAT
Cross sell other products of Ujjivan and pass quality leads to respective officers/staff
Share customer insights/product related feedback with the Cluster Manager – HL
Coordinate with Products & Marketing department to carry out marketing drives that are assigned and catchment areas for HL secured loans.

Customer

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
Conduct the appraisal process of potential customers in a courteous manner without compromising quality
Guarantee confidential treatment of all the information gathered from customers.

Internal Process

Carry out the pre and post-loan activities related to Unsecured 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 Operations Manual procedures. Analyze and evaluate the loan applications, to determine the situation of the business, establish the risks, determine the capacity of repayment and the adequate loan amount for the customer's needs, and also evaluate the family situation and stability
Visit the guarantor/collateral contact, explain about his/her role during the loan term
Cooperate with the credit department in case of identifying discrepancies or problems in customer's information, reports, etc. through CRM – Microfinance.
Inform the customer about the Credit Committee decision
Coordinate with Liabilities team if applicable, to ensure bank accounts are opened/activated to disburse the loan amount and necessary standing instructions to repay monthly disbursements
Perform loan utilization check and follow up on the disbursed loans, especially of the ones not paying on time
In case of arrears, visits customers and guarantors for the loan recovery and coordinate with collections officer to update the status periodically

Learning & Innovation

Maintain up to date knowledge of Unsecured loans as well as a working knowledge of other products offered in the branch
Inform Branch Head about the demand in his/her assigned area as well as on the competition on a regular basis in consultation with CRM – Microfinance.
Ensure adherence to training man-days/ mandatory training programs for self
Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines.
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate, preferably in commerce and related streams

Experience

Preferred experience of 2-4 years in banking, asset products sales or collection

Certifications

NA

Functional Skills

Knowledge of Banking sector
Knowledge on individual lending - Secured loans/asset products and third-party products
Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage (tablet)
Sales and marketing skills – across multiple products
KYC norms/guidelines for secured loans
Credit Assessment/Appraisal
Communication Skills - fluent in the local language & English

Behavioral Skills

Multiple products selling skills
Time management
Customer relations management
Achievement/performance oriented
Possesses good interpersonal skills
Documentation skills
Willingness to travel & relocation as per business requirements and career opportunities

Competencies Required

Building Relationship
Driving Change
Planning & Organizing
Collaboration
KEY INTERACTIONS

INTERNAL

EXTERNAL

Housing Products team
Regional Products & Marketing departments
Regional operations Manager
Collateral contacts of customers

PREPARED BY : Shivkumar V

DATE : 12-12-2023

REVIEWED BY : Pradeep B

DATE : 13-12-2023

LAST UPDATED BY : TM Team

DATE : 11-02-2026