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
- 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
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
