POSITION DESCRIPTION

JOB TITLE : Relationship Manager-Working Capital

GRADE : SM

DEPARTMENT : MSME

LOCATION : RO

SUB-DEPARTMENT : TYPE OF POSITION : Permanent

REPORTS TO : Area Manager- Working Capital

REPORTING INTO

NA

ROLE PURPOSE & OBJECTIVE

MSME vertical is a growing business for Ujjivan. The Relationship Manager will be an important position that will drive this business for the particular location.
Focused customer acquisition of Working Capital - Fund Based & Non Fund Based customers for Facility amount up to Rs. 10 Cr and drive business.
Self-sourcing of potential customer. Conversion of Leads from Channel partners (DSA/Connector) and Ujjivan Staff referrals.
Focus on Relationship building with clients through cross sell of CA, TD, Insurance, Salary accounts, BNB and drive transactions through Ujjivan
Coordinated with team members for the disbursement and work effectively for achieving assigned business targets
Portfolio management like renewal, interest servicing etc.
SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Monthly Business volume as per the business target. Productivity of around 1.5 – 2 Cr Monthly Fresh Limit set-up
Timely Interest serving, Regular Churning to prevent Delinquency
Timely Renewal of existing customers, managing 20 – 40 customers
Coordination with Credit Manager for case approval and CAD and Operations for case disbursement.
Maintains Daily sales report and sharing with supervisor.
Maintains DSA tracker for pay-out processing
KEY DUTIES & RESPONSIBILITIES OF THE ROLE
Business/ Financials
Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for branches under his/her responsibility
Implement, supervise and control effectiveness of commercial strategy to reach the productivity and growth targets established.
Customer (Both Internal & External)
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.
Internal Process
Monitor health of portfolio
Ensure, supervise the correct implementation of the credit procedures including all the respective tools
Discuss strategies and changes in terms of products, capacity building, procedures etc.
Innovation & Learning
Ensure adherence to training man-days/ mandatory training programs for self
Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

MBA / CA with 2 Year experience. In case of other Graduate, relevant 4 year experience

Experience

2 - 4 years in sales and documentation of working capital business. Mixed experience of Sales + Credit is acceptable, but should be predominantly in sales

Certifications

NA

Functional Skills

Ability to drive sales performance. Will be required to manage customers of MSME loan at Branch level.
Ability to engage with customers, colleagues & agencies providing valuation and legal opinion. Plan & execute Marketing and Sales promotion for MSME loans
Awareness about different Liabilities, Insurance and loan products.
Ability to speak and read regional language(s)- is desirable. Ability to communicate in English

Behavioral Skills

Product knowledge
Training Skills
Willingness to travel & relocation as per business requirements and career opportunities
Managing customer relations
Performance oriented

Competencies Required

Good Computer Knowledge
Competent to handle MIS systems and Lending Software
KEY INTERACTIONS

INTERNAL

EXTERNAL

Product and Marketing Team
Regional Operations, Credit
Audit, Vigilance and FCU team
Technical Manager
Legal Vendors
External marketing agencies
Competitor Counterparts

PREPARED BY : Harshul Khandelwal

DATE : 15 th May 2023

REVIEWED BY : Vicky Jain

DATE : 15 th May 2023

LAST UPDATED BY : TM Team

DATE : 8 th August 2023

Relationship Manager - Working Capital