Job Title: Relationship Officer - Home Loans Location: Multiple locations across Tamil Nadu, Andhra Pradesh and Karnataka as listed Reporting to: Branch Manager Department: Sales Grade: Sales Officer Age Group: 23 – 26 years CTC Range: 2 LPA to 2.8 LPA (Fixed Pay)|INR 15000 monthly incentives on achievement of minimal disbursement targets Job Description: The employee will be responsible for creating a local distribution network for the distribution of home loans through 'contact points' and direct marketing activities such as self-construction site visits, pamphlet distribution and other activity. They will be responsible for creation/empanelment of contact points. These contact points are generally the first points of enquiry for a person looking to build or buy a home and include cement dealers, building steel rods dealers, brick/gravel/sand dealers, building planners, small-time engineers, masons, sanitaryware dealers, among others. The employee will be given complete charge of the location where he/she is expected to foster relationships with 'contact points' and existing borrowers of the home loan organisation. The role will be solely to distribute affordable housing loans. This is a great opportunity to step into the affordable home loan industry with exposure to all aspects of the job. Key Responsibilities: 1. Sales and Business Development: Achieve home loan disbursement goals by executing a business plan that includes prospecting, networking, and field based marketing activities. 2. Product Promotion: Present and promote Home Loans to prospective clients both physically and digitally through social media channels. 3. Customer Relationship Management: Ensure proper customer profiling on each call/prospective customer visit, to identify and understand his/her needs and accordingly recommend the loan products. Build and maintain relationships with customers to not only generate references but also to ensure timely servicing of the loan. 4. Field Activities: Perform other field-based activities and marketing initiatives for the generation of home loan leads as instructed by the branch manager. 5. Customer Lifecycle Management: Be responsible for the complete lifecycle of a home loan, right from the application, coordination required for processing the application, to the end of the lifecycle of the customer in the organisation. Qualifications: Must be a graduate from any stream. Should have a minimum of 12 months of experience in retail sales. Must have good communication skills. Must have Two Wheeler and valid driving licence. Note: This role entails working out of a location and does not require coming to the branch on a daily basis.
The role of Relationship Officer - Home Loans involves creating a local distribution network for the distribution of home loans through "contact points" and direct marketing activities. This includes self-construction site visits, pamphlet distribution, and other related activities. The primary responsibility is to establish and maintain relationships with contact points, which are the initial points of enquiry for individuals seeking to build or purchase homes. Contact points may include cement dealers, building materials suppliers, engineers, masons, and other relevant stakeholders. The role focuses on distributing affordable housing loans and offers a comprehensive understanding of the affordable home loan industry. Key Responsibilities: 1. Sales and Business Development: Achieve home loan disbursement targets by implementing a business plan that involves prospecting, networking, and field-based marketing activities. 2. Product Promotion: Present and advocate Home Loans to potential clients both physically and digitally, utilizing social media platforms. 3. Customer Relationship Management: Conduct thorough customer profiling during interactions to identify their needs and suggest appropriate loan products. Build and sustain customer relationships to generate referrals and ensure timely loan servicing. 4. Field Activities: Execute various field-based initiatives and marketing campaigns to generate leads as directed by the branch manager. 5. Customer Lifecycle Management: Oversee the entire lifecycle of a home loan, from application submission to customer retention within the organization. Qualifications: - Minimum educational requirement: Graduate from any discipline. - Experience: At least 12 months of retail sales experience. - Skills: Excellent communication skills. - Essential: Possession of a Two Wheeler and a valid driving license. Please note that this position involves working primarily from a designated location and does not necessitate daily visits to the branch.,
As a Branch Manager at our organization, you will play a crucial role in driving the business targets and achieving disbursement goals for Housing & mortgage loans and insurance premiums. You will be responsible for meeting the Weighted Average Yield target, ensuring portfolio growth, and retaining existing customers. Your key responsibilities will include monitoring the Sales Officers" activities at all locations, overseeing lead generation through direct sourcing agents, and planning/executing marketing activities with a monthly calendar. You will be required to maintain productivity levels of the Sales Officers and ensure compliance with monthly norms. In terms of business process flow and management, you will handle housing loan file logins, conduct location visits for customer appraisals, and ensure proper documentation for loan proposals and disbursements. Customer satisfaction for all loans sanctioned by our organization will be a top priority. Additionally, you will be responsible for recruiting and training sales officers to maintain productivity levels as per company norms. Portfolio quality management, closure of outstanding post disbursal documentation, and handling delinquent accounts will also fall under your purview. To excel in this role, you should possess educational qualifications of Under Graduate or Post Graduate level and have 8 to 12 years of experience, with a strong background in Housing Loan operations. Your ability to drive business targets, manage teams effectively, and ensure portfolio quality will be critical to your success in this position.,
As a Branch Credit Manager at our Corporate office, you will be responsible for managing Credit and Operations for Home Loans. Your role will involve conducting credit appraisals in accordance with policies, procedures, and credit underwriting guidelines. It will be your responsibility to ensure the maintenance of Turn-Around-Time (TAT), compliance with policies and procedures. Your principal accountabilities will include conducting quality checks on the credit process and underwriting standards in alignment with the credit policy of the organization. You will be required to make recommendations to the NCM for approval after evaluating each proposal with a scorecard. Ensuring that the TAT of underwriting is within 5 to 7 days from the login date is a crucial aspect of your role. Additionally, you will interact with Legal, Technical, and RCU vendors to maintain TAT standards and oversee all disbursements as per the Disbursement checklist. On a tactical level, you will provide training to the business team on product knowledge, policies, processes, and scorecards. Following up on post-disbursal documents with branches, monitoring life and building insurance policy statuses, performing bounce analysis, and handling internal and external audits will also be part of your responsibilities. In a supervisory capacity, you will be tasked with ensuring the quality of underwriting and operational processes are of a high standard with no major audit findings. You will guide Branch Credit Managers, identify mistakes, and correct them in real-time to maintain a First-Time-Right percentage of 95%. Your role will involve making suggestions and executing policy and process changes to enhance efficiency. To be successful in this role, you should possess a Graduate/Post Graduate/MBA qualification with 3 to 5 years of experience in Credit Operations and Credit underwriting. Preference will be given to candidates with experience in the Banking & HFC/NBFC industry. Specific skills required for this position include professionalism, relationship-building abilities, feedback gathering, leadership, people management, employee development, administration knowledge, total quality management, process improvement, interpersonal relations, personal effectiveness, and work ethics. If you are passionate about credit management, have a keen eye for detail, and possess strong communication and leadership skills, we encourage you to apply for this challenging and rewarding opportunity.,
You will be responsible for creating a local distribution network for the distribution of home loans through "contact points" and direct marketing activities such as self-construction site visits, pamphlet distribution, and other activities. Your role will involve the creation/empanelment of contact points, which are generally the first points of enquiry for individuals looking to build or buy a home. These contact points may include cement dealers, building steel rods dealers, brick/gravel/sand dealers, building planners, small-time engineers, masons, and sanitaryware dealers, among others. You will have complete charge of the location where you are expected to foster relationships with "contact points" and existing borrowers of the home loan organization. Your primary focus will be on the distribution of affordable housing loans, offering you a comprehensive understanding of the affordable home loan industry. Your key responsibilities will include achieving home loan disbursement goals through the execution of a business plan involving prospecting, networking, and field-based marketing activities. You will be required to present and promote Home Loans to prospective clients physically and digitally through social media channels. Furthermore, you will need to ensure proper customer profiling during each call/prospective customer visit to identify and understand their needs and recommend suitable loan products. Building and maintaining relationships with customers will be crucial for generating references and ensuring timely servicing of the loan. Collaboration with the credit team will also be necessary to coordinate the timely disbursement of loans by assisting loan applicants in providing all required documents for loan assessment and disbursement. Keeping up-to-date with current industry trends, products, services, and underwriting guidelines is essential for this role. You will also be expected to engage in field-based activities and marketing initiatives as directed by the branch manager to generate home loan leads. Additionally, you will be responsible for managing the complete lifecycle of a home loan, from application to coordination for processing and until the end of the customer's lifecycle in the organization. To qualify for this role, you must be a graduate from any stream with a minimum of 12 months of experience in retail sales. Candidates with prior experience in BFSI will have an added advantage. Good communication skills and possession of a Two Wheeler with a valid driving license are also necessary. Please note that this role requires working out of a specific location and does not necessitate daily visits to the branch.,
The employee will be responsible for creating a local distribution network for the distribution of home loans through "contact points" and direct marketing activities such as self-construction site visits, pamphlet distribution and other activity. They will be responsible for creation/empanelment of contact points. These contact points are generally the first points of enquiry for a person looking to build or buy a home and include cement dealers, building steel rods dealers, brick/gravel/sand dealers, building planners, small-time engineers, masons, sanitaryware dealers, among others. The employee will be given complete charge of the location where he/she is expected to foster relationships with "contact points" and existing borrowers of the home loan organization. The role will be solely to distribute affordable housing loans. This is a great opportunity to step into the affordable home loan industry with exposure to all aspects of the job. The key responsibilities of this role include achieving home loan disbursement goals, executing a business plan involving prospecting and field-based marketing activities, presenting and promoting Home Loans to prospective clients physically and digitally, ensuring proper customer profiling to understand customer needs, building and maintaining customer relationships, collaborating with the credit team for timely disbursement of loans, maintaining market awareness, performing field activities and marketing initiatives for lead generation, and managing the complete lifecycle of a home loan from application to customer servicing. Qualifications required for this role include being a graduate from any stream, having a minimum of 12 months of experience in retail sales, prior experience in BFSI will be an added advantage, possessing good communication skills, and having a Two Wheeler with a valid driving licence. Please note that this role involves working out of a location and does not require daily visits to the branch.,
The role of Relationship Manager - Home Loans involves creating a local distribution network for the distribution of home loans through various activities like self-construction site visits, pamphlet distribution, and other direct marketing efforts. The primary responsibility is to establish and manage contact points including cement dealers, building material suppliers, engineers, masons, and other key personnel in the construction industry. Building relationships with these contact points and existing borrowers is crucial for the successful distribution of affordable housing loans. This role offers a great opportunity to gain exposure to the affordable home loan industry and contribute to expanding the organization's presence in the market. The key responsibilities of the Relationship Manager - Home Loans include achieving home loan disbursement targets by implementing a comprehensive business plan that involves prospecting, networking, and field-based marketing strategies. The role also entails promoting home loan products to potential clients through both physical interactions and digital platforms. Customer relationship management is vital, requiring the manager to understand the needs of each customer, recommend suitable loan products, and maintain long-term relationships to ensure customer satisfaction and generate referrals. Collaboration with the credit team is essential to facilitate timely loan disbursements by assisting loan applicants in submitting the necessary documentation for assessment and approval. Staying informed about industry trends, products, services, and underwriting guidelines is crucial for effective decision-making and customer support. Field activities and marketing initiatives are also part of the job to generate leads and support the branch manager's directives. The Relationship Manager will oversee the complete lifecycle of a home loan, from application processing to customer servicing. Qualifications for this role include a graduate degree from any stream, a minimum of 12 months of experience in retail sales, preferably in the BFSI sector, excellent communication skills, and possession of a Two Wheeler with a valid driving license. It is important to note that this role is location-based and does not require daily visits to the branch office, offering flexibility in work arrangements.,
Job Summary The Call Center Executive is responsible for handling inbound and outbound calls to assist customers with loan inquiries, application processes, and service-related concerns. They play a crucial role in lead generation, customer relationship management, and complaint resolution while ensuring high service quality and compliance with company policies. The role requires strong communication skills, problem-solving abilities, and a customer-centric approach to enhance satisfaction and drive business growth. Customer Inquiry Management • Handle inbound and outbound calls related to loan products, eligibility, application status, and repayment options. • Provide accurate information and resolve customer queries efficiently. Lead Generation & Conversion • Identify potential customers through telecalling and follow-ups. • Convert inquiries into loan applications by explaining benefits and features. Loan Processing Assistance • Guide customers on documentation, verification, and loan application submission. • Coordinate with internal teams for faster processing and approvals. Customer Relationship & Retention • Maintain positive relationships with existing customers for repeat business and referrals. • Provide proactive support for EMI payments, loan closure, and grievance resolution. Complaint Handling & Resolution • Address customer complaints and escalate unresolved issues to the concerned department. • Ensure timely resolution and maintain customer satisfaction. Cross-Selling & Upselling • Promote additional financial products such as home insurance, balance transfers, and top-up loans. • Educate customers about relevant financial solutions based on their needs. Data Management & Reporting • Maintain accurate call records, customer details, and feedback in CRM systems. • Prepare and submit periodic reports on call performance and customer interactions. Compliance & Quality Standards • Adhere to company policies, regulatory guidelines, and service quality benchmarks. • Ensure ethical selling practices and maintain call center performance standards. Requirement : Qualification: Minimum Graduate (Bachelor’s degree in any discipline preferred). Experience: 1-3 years of experience in a call center, tele calling, or customer service role (preferably in banking, NBFC, or housing finance). Industry Preference: Experience in financial services, housing loans, or mortgage lending is an advantage. Skills & Competencies • Communication Skills: Excellent verbal and written communication in Tamil, Hindi, and English. • Customer Service Orientation: Strong problem-solving and interpersonal skills to handle customer queries effectively. • Sales & Persuasion Skills: Ability to promote loan products, generate leads, and convert inquiries into applications. • Complaint Handling: Patience and conflict resolution skills to manage escalations and customer grievances. • Technical Knowledge: Basic knowledge of housing finance products, loan application processes, and EMI calculations. • CRM & Data Management: Familiarity with call center software, CRM tools, and MS Office. • Compliance & Ethics: Understanding of regulatory norms, KYC guidelines, and ethical sales practices.
Job Title: Relationship Officer - Home Loans Location: Multiple locations across Tamil Nadu, Andhra Pradesh and Karnataka as listed Reporting to: Branch Manager Department: Sales Grade: Sales Officer Age Group: 23 – 26 years CTC Range: 2 LPA to 2.8 LPA (Fixed Pay)|INR 15000 monthly incentives on achievement of minimal disbursement targets Job Description: The employee will be responsible for creating a local distribution network for the distribution of home loans through 'contact points' and direct marketing activities such as self-construction site visits, pamphlet distribution and other activity. They will be responsible for creation/empanelment of contact points. These contact points are generally the first points of enquiry for a person looking to build or buy a home and include cement dealers, building steel rods dealers, brick/gravel/sand dealers, building planners, small-time engineers, masons, sanitaryware dealers, among others. The employee will be given complete charge of the location where he/she is expected to foster relationships with 'contact points' and existing borrowers of the home loan organisation. The role will be solely to distribute affordable housing loans. This is a great opportunity to step into the affordable home loan industry with exposure to all aspects of the job. Key Responsibilities: 1. Sales and Business Development: Achieve home loan disbursement goals by executing a business plan that includes prospecting, networking, and field based marketing activities. 2. Product Promotion: Present and promote Home Loans to prospective clients both physically and digitally through social media channels. 3. Customer Relationship Management: Ensure proper customer profiling on each call/prospective customer visit, to identify and understand his/her needs and accordingly recommend the loan products. Build and maintain relationships with customers to not only generate references but also to ensure timely servicing of the loan. 4. Field Activities: Perform other field-based activities and marketing initiatives for the generation of home loan leads as instructed by the branch manager. 5. Customer Lifecycle Management: Be responsible for the complete lifecycle of a home loan, right from the application, coordination required for processing the application, to the end of the lifecycle of the customer in the organisation. Qualifications: Must be a graduate from any stream. Should have a minimum of 12 months of experience in retail sales. Must have good communication skills. Must have Two Wheeler and valid driving licence. Note: This role entails working out of a location and does not require coming to the branch on a daily basis.
The Call Center Executive plays a vital role in handling inbound and outbound calls to support customers with loan inquiries, application processes, and service-related concerns. Your responsibilities include lead generation, customer relationship management, and complaint resolution while ensuring high service quality and compliance with company policies. To excel in this role, you must possess strong communication skills, problem-solving abilities, and a customer-centric approach to enhance satisfaction and drive business growth. You will be responsible for providing accurate information and efficiently resolving customer queries. Additionally, you will identify potential customers through telecalling and follow-ups, converting inquiries into loan applications by explaining benefits and features. Guiding customers on documentation, verification, and loan application submission will also be part of your duties, along with coordinating with internal teams for faster processing and approvals. Maintaining positive relationships with existing customers for repeat business and referrals is crucial, as well as addressing customer complaints and escalating unresolved issues to the concerned department. You will be expected to ensure timely resolution and maintain customer satisfaction. Furthermore, promoting additional financial products, educating customers about relevant financial solutions, and managing data in CRM systems are essential tasks in this role. To qualify for this position, you should hold a minimum Bachelor's degree and have 1-3 years of experience in a call center, telecalling, or customer service role, preferably in banking, NBFC, or housing finance. Experience in financial services, housing loans, or mortgage lending is advantageous. Proficiency in verbal and written communication in Tamil, Hindi, and English, along with strong problem-solving, interpersonal, and sales skills are required. Knowledge of housing finance products, loan application processes, CRM tools, and MS Office is also beneficial. Understanding regulatory norms, KYC guidelines, and ethical sales practices is essential to ensure compliance and maintain quality standards.,
The role of Relationship Officer - Home Loans involves creating a local distribution network for the distribution of home loans through "contact points" and direct marketing activities such as self-construction site visits, pamphlet distribution, and other promotional activities. The primary responsibility includes the creation/empanelment of contact points which serve as the initial points of enquiry for individuals seeking to build or buy a home. These contact points may include cement dealers, building material dealers, engineers, masons, and other relevant stakeholders in the construction industry. The employee will be entrusted with managing and fostering relationships with these "contact points" and existing borrowers of the home loan organization. The focus will be on distributing affordable housing loans and contributing to the growth of the affordable home loan sector. Key Responsibilities: 1. Sales and Business Development: Achieve home loan disbursement targets by implementing a comprehensive business plan that includes prospecting, networking, and field-based marketing activities. 2. Product Promotion: Showcase and market Home Loans to potential clients through physical interactions and digital platforms, including social media channels. 3. Customer Relationship Management: Conduct proper customer profiling during interactions to identify their needs and recommend suitable loan products. Establish and nurture relationships with customers to secure references and ensure timely loan servicing. 4. Field Activities: Engage in various field-based initiatives and marketing campaigns to generate leads for home loans as directed by the branch manager. 5. Customer Lifecycle Management: Oversee the entire lifecycle of a home loan, starting from application submission, facilitating the processing of applications, and managing customer relationships throughout their tenure with the organization. Qualifications: - Graduation in any discipline is mandatory. - Minimum of 12 months experience in retail sales. - Strong communication skills are essential. - Possession of a Two Wheeler and a valid driving license is required. Please note that this position involves working primarily from a designated location and does not necessitate daily visits to the branch office.,
As a Branch Manager at Aham HFC, your role involves overseeing the operations and performance of the branch to achieve business targets and ensure customer satisfaction. Your key responsibilities include: - Achieving disbursement targets for Housing & mortgage Loans and insurance premiums, along with meeting the Weighted Average Yield target - Driving portfolio growth and retaining existing customers - Monitoring Sales Officers" activities, ensuring consistent lead generation, and empanelling direct sourcing agents for steady business flow - Planning and executing marketing activities, monitoring productivity, and ensuring Sales Officers meet monthly norms - Managing housing loan file logins, conducting customer appraisals, and maintaining proper documentation for loan proposals and disbursements - Recruiting and training sales officers to maintain productivity levels - Managing portfolio quality, closing outstanding documentation, and addressing delinquent accounts effectively Your qualifications for this role include: - Educational Qualification: Under Graduate / Post Graduate - Experience: 8 to 12 years in Housing Loan industry Join Aham HFC to lead a dynamic team, drive business growth, and ensure customer satisfaction through effective portfolio management and operational excellence.,
Role Overview: As a Relationship Officer for Home Loans, you will play a crucial role in establishing a local distribution network to facilitate the distribution of home loans. Your primary responsibilities will include creating and managing "contact points", conducting direct marketing activities, and fostering relationships with existing borrowers. This is an excellent opportunity to enter the affordable home loan industry and gain exposure to various aspects of the job. Key Responsibilities: - Achieve home loan disbursement goals through effective sales and business development strategies. - Present and promote Home Loans to potential clients through both physical and digital channels. - Properly profile customers to understand their needs and recommend suitable loan products. - Execute field-based activities and marketing initiatives to generate home loan leads. - Manage the complete lifecycle of a home loan, from application to customer servicing. Qualification Required: - Graduation in any stream. - Minimum 12 months of experience in retail sales. - Strong communication skills. - Possession of a Two Wheeler and a valid driving license. (Note: This role involves working at a designated location and does not require daily visits to the branch.),
As a Relationship Officer for Home Loans, your role involves creating a local distribution network for the distribution of home loans through "contact points" and direct marketing activities. This includes activities such as self-construction site visits, pamphlet distribution, and establishing relationships with various stakeholders like cement dealers, building materials suppliers, engineers, and masons. Your primary responsibility is to establish and maintain relationships with these contact points, serving as the initial point of enquiry for individuals looking to build or purchase homes. This role focuses on distributing affordable housing loans and provides a comprehensive understanding of the affordable home loan industry. Key Responsibilities: - Achieve home loan disbursement targets by implementing a business plan involving prospecting, networking, and field-based marketing activities. - Present and advocate Home Loans to potential clients physically and digitally, utilizing social media platforms for product promotion. - Conduct thorough customer profiling to identify needs, suggest appropriate loan products, build customer relationships for referrals, and ensure timely loan servicing. - Execute field-based initiatives and marketing campaigns as directed by the branch manager to generate leads. - Oversee the entire lifecycle of a home loan, from application submission to customer retention within the organization. Qualifications: - Graduate from any discipline. - Minimum 12 months of retail sales experience. - Excellent communication skills. - Possession of a Two Wheeler and a valid driving license is essential. Please note that this position primarily involves working from a designated location and does not require daily visits to the branch.,
As a Branch Manager at the company, your role involves overseeing various aspects of branch operations and ensuring the achievement of business targets and growth. Here is a breakdown of your key responsibilities: - **Business target**: - Achieve Disbursement targets on Housing & mortgage Loans and insurance premiums. - Meet the Weighted Average Yield target for the branch. - Drive Portfolio growth and focus on retaining existing customers. - **Lead generation & management activities**: - Monitor Sales Officers" activities at all locations to ensure a steady flow of business. - Empanel direct sourcing agents regularly for consistent business from major channels. - Plan and execute marketing activities with a monthly calendar, monitoring daily. - Ensure Sales Officers meet productivity norms on a monthly basis. - **Business Process flow & Management**: - Ensure housing loan file logins adhere to product & policy norms. - Conduct location visits for customer appraisals. - Maintain proper documentation for housing loan files and post-sanction processes. - Focus on customer satisfaction for all loans sanctioned and disbursed. - **Team recruitment & training**: - Recruit Sales Officers, provide training, and monitor productivity levels. - **Portfolio Quality Management**: - Manage portfolio quality effectively. - Close outstanding post disbursal documentation. - Handle chronic/delinquent accounts and take necessary actions for regularisation. As for the company details, there are no additional details provided in the job description. **Qualification Required**: - Educational Qualification: Under Graduate / Post Graduate. - Experience: 8 to 12 years in Housing Loan Experience. Your role as a Branch Manager will be crucial in driving the branch's success and ensuring customer satisfaction through effective management and strategic planning.,
As a Branch Manager at Aham HFC, your role involves overseeing various aspects to ensure the branch's success and growth. Here is a breakdown of your key responsibilities: - Achieve Disbursement targets on Housing & mortgage Loans and insurance premiums. - Meet the Weighted Average Yield target set for the branch. - Drive Portfolio growth and focus on retaining existing customers. - Monitor Sales Officers" activities and ensure a consistent flow of business. - Empanel direct sourcing agents to maintain a steady business flow from major channels. - Plan and execute marketing activities with a monthly calendar, monitoring daily progress. - Ensure Sales Officers meet productivity norms monthly. - Manage housing loan file logins adhering to product & policy norms. - Conduct location visits for loan proposal appraisals. - Maintain complete documentation for housing loan files and post-sanction processes. - Ensure customer satisfaction for all loans sanctioned and disbursed. - Recruit and train sales officers, ensuring productivity levels align with company norms. - Manage portfolio quality, close outstanding post-disbursal documentation, and handle delinquent accounts effectively. In terms of qualifications, the ideal candidate should have: - Educational Qualification: Under Graduate / Post Graduate. - Experience: 8 to 12 years of experience in Housing Loans. Aham HFC values team collaboration, customer satisfaction, and excellence in portfolio management.,
As a Branch Manager at Aham HFC, your role involves overseeing and managing various aspects of the branch's operations to ensure the achievement of business targets and growth. Here is a breakdown of your key responsibilities: - Responsible for achieving disbursement targets for Housing & mortgage loans and insurance premiums, as well as meeting the Weighted Average Yield target. - Focus on portfolio growth and retention of existing customers to drive business success. - Monitor and supervise Sales Officers" activities across all locations to ensure a steady flow of business. - Empanel direct sourcing agents regularly to maintain major sourcing channels. - Plan and execute marketing activities with a monthly calendar, monitoring them daily. - Ensure Sales Officers meet productivity norms on a monthly basis. - Manage housing loan file logins according to Aham HFC's product and policy norms. - Conduct location visits for customer appraisals and ensure proper documentation of loan files. - Handle post-sanction documentation and disbursement processes efficiently. - Prioritize customer satisfaction for all sanctioned and disbursed loans. - Recruit sales officers, provide training, and maintain productivity levels as per company norms. - Manage portfolio quality and address outstanding post-disbursal documentation. - Take appropriate action on chronic or delinquent accounts to regularize loans effectively. Qualifications required for this role include: - Educational Qualification: Under Graduate / Post Graduate. - Experience: 8 to 12 years of experience in the housing loan sector. Join Aham HFC as a Branch Manager and play a pivotal role in driving business growth, ensuring customer satisfaction, and maintaining the highest standards of operational excellence.,
As a Distribution Network Executive, your role involves creating a local distribution network for home loans through various "contact points" and direct marketing activities. You will be responsible for fostering relationships with "contact points" and existing borrowers to distribute affordable housing loans effectively. This position offers a valuable opportunity to gain insight into the affordable home loan industry. Your key responsibilities will include: - Achieving home loan disbursement goals through effective sales and business development strategies such as prospecting, networking, and field-based marketing activities. - Presenting and promoting Home Loans to potential clients both physically and digitally, utilizing social media channels. - Managing customer relationships by understanding their needs, recommending loan products, generating references, and ensuring timely servicing of loans. - Collaborating with the credit team to facilitate the timely disbursement of loans by coordinating with loan applicants for necessary documentation. - Staying informed about industry trends, products, services, and underwriting guidelines to enhance market awareness. - Executing field-based activities and marketing initiatives as directed by the branch manager to generate home loan leads. - Overseeing the complete lifecycle of a home loan, from application to customer management throughout their tenure with the organization. Qualifications required for this role: - Graduation from any stream. - Minimum of 12 months of experience in retail sales. - Prior experience in BFSI sector will be advantageous. - Strong communication skills. - Ownership of a Two Wheeler and a valid driving license.,
As a Relationship Officer for Home Loans, your primary responsibility is to establish and expand a local distribution network for distributing home loans. This involves engaging with various "contact points" and conducting direct marketing activities to promote affordable housing loans. You will have the autonomy to manage your assigned location and build strong relationships with both contact points and existing borrowers. - Achieve home loan disbursement targets through effective sales and business development strategies, including prospecting, networking, and field-based marketing activities. - Promote and present home loan products to potential clients through physical interactions and digital platforms like social media. - Conduct proper customer profiling during interactions to understand their needs and recommend suitable loan products. Maintain customer relationships to generate referrals and ensure timely loan servicing. - Execute field activities and marketing initiatives directed by the branch manager to generate leads for home loans. - Manage the entire customer lifecycle for home loans, from application processing to customer servicing and support. Qualifications: - Graduation in any stream is mandatory. - Minimum of 12 months experience in retail sales is required. - Strong communication skills are essential. - Possession of a Two Wheeler and a valid driving license is necessary.,
Principal Accountabilities Business target Responsible for achievement of Disbursement targets allotted to the branch on Housing & mortgage Loans and insurance premiums. Responsible for the meeting the Weighted Average Yield target allotted to the branch. Responsible for Portfolio growth of the branch and retention of existing customers. Lead generation & management activities Monitoring the activities of the Sales Officers at all locations and ensure regular flow of business Empanelment of the direct sourcing agents at all locations regularly to ensure steady flow of business from major sourcing channels Planning & execution of marketing activities of the locations with a monthly calendar and monitoring the same on a daily basis Monitoring productivity of the Sales Officers and ensuring that all of them meet the productivity norms on monthly basis Business Process flow & Management Responsible for housing loan file logins as per the product & policy norms of Aham HFC. Location visits to meet the identified customers for appraisal of the loan proposal Ensuring proper & complete documentation of housing loan files put up for sanction. Management of post sanction documentation i.e. disbursement documentation. Ensuring customer satisfaction for all loans sanctioned & disbursed by Aham HFC. Team recruitment & training Responsible for recruitment of sales officers, training them and ensuring the productivity levels as per the norms of the company. Portfolio Quality Management Responsible for management of portfolio quality. Responsible for closure of outstanding post disbursal documentation Handling chronic / delinquent accounts and initiating appropriate action for regularisation of the loan Person Profile Educational Qualification: Under Graduate / Post Graduate. Experience: 8 Years to 12 Years (Housing Loan Experience is must)