JOB TITLE : Deputy Relationship Manager-Fast Track Loan
GRADE : DM-II
DEPARTMENT : Micro Banking
LOCATION : Greater Noida
SUB-DEPARTMENT : TYPE OF POSITION : Full-time
REPORTS TO : Area Business Manager-Fast Track Loan
REPORTING INTO
NA
- ROLE PURPOSE & OBJECTIVE
- Lead Generation – Conduct regular marketing and sales activities to generate leads from approved working areas.
- 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.
- Monitoring On time Digital repayments made by customers assigned in Portfolio
- SIZE OF THE ROLE
FINANCIAL SIZE
NON-FINANCIAL SIZE
- Shall be expected to manage a portfolio of Rs.4 Cr. Progressively.
- Managing a customer base UPTO 300 customers progressively.
- Managing Digital Lending product across the catchment area as well TPP related to core Product
- 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 Unsecured Digital loans in terms of open market acquisition and subsequent potential repeat customer conversion. Coordinate with Product & Marketing department to carry out marketing drives at his/her assigned and catchment areas for unsecured loans Maintain database of the prospects, meet select prospects and manage the relationship thereafter. Achieve the set target of prospects in a day/week/month to generate leads and references for Our Product Loans. Should be ready to travel extensively across the catchment area (<30 km) of the location to build the base of business.
Work with other shareholders to focus on cross selling unsecured loans to open market liability customers. (Cross sell other products of Ujjivan) Share customer insights/product related feedback with respective team. Provide inputs pertaining to revision of credit policies to the respective team on the basis of geography specific considerations
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 Unsecured Loans, Perform simple financial analysis, facilitate the customers loan applications to the independent 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 Area Business Manager-MB.
Innovation & Learning-
- Maintain up to date knowledge of Unsecured Loan product as well as a working knowledge of other products offered with our relevant Product.
- Inform the supervisor/reporting manager about the demand in his/her assigned branch catchment as well as on the competition on a regular basis.
- Ensure adherence to training mandates/ mandatory training programs for self.
- Should be updated with the latest trends in civic and local laws of the location of operation.
- 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 Range (Years and Core Experience Type)
- Preferred experience of 2-4 years in banking, asset products sales of Unsecured Loan in an NBFC/ Bank/Fintech Company.
- 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 Unsecured 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 Certificates.
- KYC norms/guidelines for secured loans
- Credit Assessment/Appraisal.
- Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage (tablet)
Behavioral Skills
- Sound Product knowledge (Multiple Products selling skills) .
- Willingness to travel & relocation as per business requirements and career opportunities
- Managing customer relations
- Achievement/performance oriented
- Willingness to travel & relocation as per business requirements and career opportunities
Competencies
- Good Computer Knowledge.
- Collaboration with Digital Drive.
- KEY INTERACTIONS
INTERNAL
EXTERNAL
- Regional Credit & Operations.
- Regional Products & Marketing departments.
- Regional HR
- Audit Manager
- Competitor Counterparts.
PREPARED BY: Gyanvendra Mishra
Date
REVIEWED BY: Diptarag Deb
DATE: 25-06-2025
LAST UPDATED BY: TM Team
DATE: 17-07-2025
