Deputy Relationship Manager-Micro Mortgages

Ujjivan Financial Services

India

2-4 Years

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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