Relationship Manager-Micro Mortgages

DEPARTMENT

MicroMortgages

REPORTSTO

ClusterManager Micro Mortgages

REPORTINGINTO

RelationshipOfficer Micro Mortgages

1. ROLEPURPOSE & OBJECTIVE

2. ManagingEnd to End sales life cycle of tapping prospects throughmarketing activities, understanding their requirement andrendering advice

3. Negotiatingcommercials, timely disbursement of loan and providing other BankProducts.
4. Implementingtactics to enhance market penetration through Bank branches,Connectors, customer referrals and marketing activities.
5. Toset up distribution through builder Empanelment (APF),

6. Applicableto all loan officers with 12 Months of service

7. SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

• Costof hiring and placing new Relationship Officers at Branches
• OperationalCost of managing the Conveyance and Claims of RelationshipOfficers
• Costof procurement marketing collaterals, sales aids

• Shallbe expected to manage a portfolio of Rs.15 Cr. Progressively

• Managinga single product across the branches of operations

• Managinga team size of 5 employees progressively
• Managingassets like marketing collaterals, Stationary, Dockets andSystems

• Managinghiring and placement of Relationship Officers in requiredBranches

• KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Candidateshould be able to deliver budgeted business figures from theCluster of control through placing adequate manpower across activebranches. He/She is also responsible for building a qualityportfolio without compromising on quantum of business

Business/Financials

• Aligningwith bank Branches & Micro banking team for increasingTraffic for HL
• Toset up distribution via connector enrollment and engagementthrough builder Empanelment (APF).
• Targetson number & value of files for Log-in, approval, disbursementof HL
• 65%of target of HL 15% from FD, 15% of S/A and 10% of standaloneInsurance
• Collectionof Bounced cases for no zero default track of all customerssourced.
• FTRon all files

Customer(Both Internal & External)

• Attendand address customer queries and grievances within the definedTAT.
• Managinginternal and external customer relationship to ensure customersatisfaction.
• Ensurecustomers are educated about all products/services offered byUjjivan.
• Ensurelower customer attrition by providing different products as percustomer requirement.
• Focuson lower TAT as per laid down standards.

InternalProcess

• FTRon all work/processes/ files
• Wellspread file flow of log-in and disbursal over a month.
• Documentationand preparation of process manuals

Innovation& Learning

• Mentorloan officer too graduate to next level.
• Worktowards grooming self for next level of cluster manager with helpof Cluster Manager & Area Manager.

• Completionof goal setting and appraisal on time

• MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduatewith 1 -2 Year experience in Ujjivan in Housing Loans
• PostGraduate with 6-12 months experience in Housing loans

Experience(Yearsand Core Experience Type)

• 5years in sales and documentation of loans of which at least 2years in Housing Loans, home loans or loan against property in anNBFC/ Bank/HFC. Mixed experience of Sales & Credit isacceptable, but should be predominantly in sales

Certifications

• Relevantcertifications shall be an added advantage

FunctionalSkills

• Abilityto create teams and drive sales performance. Will be required totake complete ownership of Housing business at Cluster level.
• Abilityto engage with customers, Plan & execute Marketing and Salespromotion
• Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English (Read-speak-write) is required. Has goodverbal fluency and uses simple, clear and purposeful language.
• AdequateComputer knowledge

BehavioralSkills

• SoundProduct knowledge
• Shouldpossess Training Skills
• Willingnessto travel & relocation as per business requirements andcareer opportunities
• Managingcustomer relations
• Performanceoriented

Competencies

• GoodComputer Knowledge

• Competentto handle MIS systems and Lending Software

• KEYINTERACTIONS

INTERNAL

EXTERNAL

• Productand Marketing Team
• RegionalOperations, Credit
• Audit,Vigilance and FCU team

• AreaTechnical Manager

• LegalVendors

• Externalmarketing agencies
• CompetitorCounterparts

Location - Rajanagaram,Haveri,Dindigul,Ambasamudram,Tenkasi,Nagapattinam,Thrissur,Gangavati,Mysuru,Krishnagiri,Arcot,Aruppukkottai