12 Housing Loans Jobs

As a Sales Manager at a leading Housing Finance Company operating in Gujarat and Maharashtra, your primary responsibility will be to drive sales in the areas of Housing Loans, Affordable Housing Loans, and LAP. The ideal candidate for this role should possess prior experience in these specific areas. To express your interest in this position, please share your updated resume with Manoj Yadav at the email address manoj.yadav@elevantbusinesssolutions.com or contact him at 9898208197. If you are a motivated individual with a background in sales and a passion for the housing finance industry, we encourage you to apply for this exciting opportunity. Join our dynamic team and contribute to our continued success in the market.,

Primary Responsibilities: Achieve the set targets on HLSecured Loans in terms of customer acquisition Maintain database of prospects meet select prospects and manage the relationship thereafter Follow up on leads provided by the cluster managerrelationship manager within defined TAT Cross sell other products of Ujjivan and pass quality leads to respective officersstaff Share customer insightsproduct related feedback with the Cluster Manager HL Coordinate with Products Marketing department to carry out marketing drives that are assigned and catchment areas for HL secured loans Location - Ahmedabad,Ahmednagar,Akurdi,Ambarnath,Anand,Aurangabad,Bardoli,Vadodara,Bharuch,Bhavnagar,Bhiwani,Bhuj,Bhusawal,Bodeli,Borivali,Botad,Chandrapur,Chowk,Dhule,Dombivli,Gandhidham,Gandhinagar,Gondiya,Himatnagar,Hyderabad,Jalgaon,Jalna,Jamnagar,Jasdan,Junagadh,Kolhapur,Latur,Mehsana,Modasa,Morbi,Mumbai,Nadiad,Nagpur,Nanded,Naroda,Nashik,Navsari,Panvel,Pimpri,Pune,Rajkot,Sangli,Satara,Shirpur,Solapur,Surat,Thane,Vadali,Valsad,Vapi,Virar

GRADE - SM DEPARTMENT Housing Loans REPORTS TO - Area Manager - Housing REPORTING INTO - Relationship Manager & Loan Officers ROLE PURPOSE & OBJECTIVE Housing Loan is a growing business for Ujjivan. The Cluster Manager-Housing Loan is an important position that will drive this business in the respective cluster. The position is responsible for overall growth and success of the business in the cluster. Built efficient team of Loan officers in the clusters assigned Oversees the performance of the HL portfolio of his/her cluster and branch in terms of growth (amount and client base) and productivity of loan officers by guiding them and carrying out constructive reviews of their performance Overall responsible for the control and recovery of loans in his/her region, risk assessment and recovery strategies. In coordination with the branch, credit & product teams, identifies suitable branches and locations for Housing business loan and gets the locations activated through Area Managers. Ensures proper goal setting, resource planning, marketing and sourcing of HL business. Identifying legal and technical evaluators in the locations during expansion. Work closely with product and marketing team to drive suitable branding and marketing activities in his/her respective cluster. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Cost of hiring and placing new Relationship Officers at Branches Operational Cost of managing the Conveyance and Claims of Relationship Officers Cost of procurement marketing collaterals, sales aids Shall be expected to manage a portfolio of Rs.15 Cr. Progressively Managing a single product across the branches of operations Managing a team size of 5 employees progressively Managing assets like marketing collaterals, Stationary, Dockets and Systems Managing hiring and placement of Relationship Officers in required Branches 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 the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required Assign targets and results on daily, weekly, monthly basis of portfolio of risk by different categories such as days in arrears, number of installment due, amount within his/her region by area, branch, loan officer with the objective to identify tendencies and risks. Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies Efficient staffing by timely recruitment & training Implement, supervise and control effectiveness of commercial strategy with his/her team to reach the productivity and growth targets established. Approve deviations and exceptions according to policy in place. Ensure, supervise the correct implementation of the credit procedures including all the respective tools 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 Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations. Monitor health of portfolio Sanctioning of loans according to the policy in place. 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 that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement Ensure adherence to training man-days/ mandatory training programs for self and reportees Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of Housing Loans team. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate in Commerce or relevant subjects An MBA or equivalent is an added advantage Experience(Years and Core Experience Type) 4-9 years in sales and documentation of loans of which at least 2 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 Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing business at Cluster level. Ability to engage with customers, Plan & execute Marketing and Sales promotion Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language. Adequate Computer knowledge Behavioral Skills Sound Product knowledge Should possess Training Skills Willingness to travel & relocation as per business requirements and career opportunities Managing customer relations Performance oriented Competencies Good Computer Knowledge Competent to handle MIS systems and Lending Software.

ROLE PURPOSE & OBJECTIVE Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering advice Negotiating commercials, timely disbursement of loan and providing other Bank Products. Implementing tactics to enhance market penetration through DSA channels & marketing activities. To set up distribution DSA channel involving in DSA empanelment & handling cases referred by DSAs directly. Applicable to all loan officers with 12 Months of service SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Cost of hiring and placing new Relationship Officers at Branches Operational Cost of managing the Conveyance and Claims of Relationship Officers Cost of procurement marketing collaterals, sales aids Shall be expected to manage a portfolio of Rs.15 Cr. Progressively Managing a single product across the branches of operations Managing a team size of 5 employees progressively Managing assets like marketing collaterals, Stationary, Dockets and Systems Managing hiring and placement of Relationship Officers in required Branches KEY DUTIES & RESPONSIBILITIES OF THE ROLE Candidate should be able to deliver budgeted business figures from the Cluster of control through placing adequate manpower across active branches. He/She is also responsible for building a quality portfolio without compromising on quantum of business Business/ Financials Engaging & empaneling with various DSAs in that particular location for increasing Traffic for HL To set up distribution via DSA enrollment across the location. Targets on number & value of files for Log-in, approval, disbursement of HL 65% of target of HL 15% from FD, 15% of S/A and 10% of standalone Insurance Collection of Bounced cases for no zero default track of all customers sourced. FTR on all files Customer (Both Internal & External) Attend and address customer queries and grievances within the defined TAT. Managing internal and external customer relationship to ensure customer satisfaction. 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 FTR on all work/processes/ files Well spread file flow of log-in and disbursal over a month. Documentation and preparation of process manuals Innovation & Learning Mentor loan officer too graduate to next level. Work towards grooming self for next level of cluster manager with help of Cluster Manager & Area Manager. Completion of goal setting and appraisal on time MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate with 1 -2 Year experience in Housing Loans Post Graduate with 6-12 months experience in Housing loans Experience(Years and Core Experience Type) 3 years in sales and documentation of loans of which at least 1 year in Housing Loans handling DSAs, 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 Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing business at Cluster level. Ability to engage with DSAs, customers, Plan & execute Marketing and Sales promotion Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language. Adequate Computer knowledge Behavioral Skills Sound Product knowledge Should possess Training Skills Willingness to travel & relocation as per business requirements and career opportunities Managing customer relations Performance oriented Competencies 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 Area Technical Manager Legal Vendors External marketing agencies Competitor Counterparts

ROLE PURPOSE & OBJECTIVE Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering advice Negotiating commercials, timely disbursement of loan and providing other Bank Products. Implementing tactics to enhance market penetration through Bank branches, Connectors, customer referrals and marketing activities. To set up distribution through builder Empanelment (APF), Applicable to all loan officers with 12 Months of service SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Cost of hiring and placing new Relationship Officers at Branches Operational Cost of managing the Conveyance and Claims of Relationship Officers Cost of procurement marketing collaterals, sales aids Shall be expected to manage a portfolio of Rs.5 Cr. Progressively Managing a single product across the branches of operations Managing assets like marketing collaterals, Stationary, Dockets and Systems KEY DUTIES & RESPONSIBILITIES OF THE ROLE Candidate should be able to deliver budgeted business figures from the Cluster of control through placing adequate manpower across active branches. He/She is also responsible for building a quality portfolio without compromising on quantum of business Business/ Financials Aligning with bank Branches & Microbanking team for increasing Traffic for HL To set up distribution via connector enrollment and engagement through builder Empanelment (APF). Targets on number & value of files for Log-in, approval, disbursement of HL 65% of target of HL 15% from FD, 15% of S/A and 10% of standalone Insurance Collection of Bounced cases for no zero default track of all customers sourced. FTR on all files Customer (Both Internal & External) Attend and address customer queries and grievances within the defined TAT. Managing internal and external customer relationship to ensure customer satisfaction. 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 FTR on all work/processes/ files Well spread file flow of log-in and disbursal over a month. Documentation and preparation of process manuals Innovation & Learning Work towards grooming self for next level of cluster manager with help of Cluster Manager & Area Manager. Completion of goal setting and appraisal on time MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate with 1 -2 Year experience in Ujjivan in Housing Loans Post Graduate with 6-12 months experience in Housing loans Experience(Years and Core Experience Type) 2 - 7 years in sales and documentation of loans of which at least 2 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 Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing business at Cluster level. Ability to engage with customers, Plan & execute Marketing and Sales promotion Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language. Adequate Computer knowledge Behavioral Skills Sound Product knowledge Should possess Training Skills Willingness to travel & relocation as per business requirements and career opportunities Managing customer relations Performance oriented Competencies 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 Area Technical Manager Legal Vendors External marketing agencies Competitor Counterparts Locaion; Bengaluru,Belgaum,Chengalpattu,Chennai,Coimbatore,Dindigul,Gingee,Gokak,Hassan,Hosakote,Hyderabad,Kanchipuram,Kothamangalam,Magadi,Mettupalayam,Nagar,Rajahmundry,Rajapalayam,Ramanathapuram,Tambaram,Tenkasi,Tirunelveli,Tumkur,Vijayawada,Viluppuram

As a Credit Manager, you will be responsible for various tasks related to credit management in the financial services sector. Your primary duties will include the consistent application of a credit policy, conducting periodic credit reviews of existing customers, and evaluating the creditworthiness of potential customers. To excel in this role, you should have a solid understanding of LAP/Housing loans/BL and be able to analyze risks associated with loan requests. Your responsibilities will also involve preparing Credit Appraisal Memos (CAM), analyzing Credit History, and assessing Technical and Legal reports. Additionally, you will be expected to calculate financial ratios such as credit scores and interest rates, sanction TVR, conduct hindsight visits in the field, and engage in Personal Discussions (PD) via various mediums including Telephonic, Video, or in-person meetings. Furthermore, you will be involved in audit clearances, processing files for disbursement, and overseeing the entire credit granting process. The ideal candidate for this role should possess 3 to 7 years of experience in the financial services sector. The salary range for this position is between 2 Lakhs 50 Thousand to 5 Lakhs per annum. This role falls within the industry of Financial Services / Banking, Investments / Insurance / Stock Market / Loan. The required qualifications include B.A, B.B.A, B.Com, M.A, M.B.A/PGDM, or M.Com. Key skills that will be beneficial for this position include Credit Officer, Credit Manager, and Loan Officer. If you meet the criteria and have the necessary experience, you are encouraged to consider this opportunity.,

As a Credit Manager, you will be responsible for the consistent application of a credit policy, conducting periodic credit reviews of existing customers, and evaluating the creditworthiness of potential customers. Your duties will include analyzing risks and making decisions on loan requests, preparing Credit Appraisal Memos (CAM), reviewing credit history, and assessing technical and legal reports. You will also be required to calculate financial ratios such as credit scores and interest rates, sanction TVR, conduct field visits for hindsight, and engage in personal discussions with customers via tele/video/physical mediums. Additionally, you will be involved in audit clearance, processing files for disbursement, and overseeing the entire credit granting process. Ideal candidates for this role should have a minimum of 2 years of experience in credit management, with specific knowledge of LAP, Housing loans, and BL. The preferred educational qualifications include B.A, B.B.A, B.Com, M.A, M.B.A/PGDM, or M.Com. Key skills for this position include expertise in credit evaluation, loan processing, and risk analysis. This position offers a competitive salary ranging from 2 Lac 50 Thousand to 5 Lac per annum and falls under the industry of Financial Services, Banking, Investments, Insurance, Stock Market, and Loans. If you possess the required experience, qualifications, and skills for this role, we invite you to walk in for further discussions and assessments.,

Roles and Responsibilities Manage relationships with existing customers to increase sales revenue through cross-selling of gold loan products. Identify new business opportunities by visiting potential clients and acquiring new customers for the company's gold loan services. Develop a strong understanding of various financial products such as home loans, personal loans, auto loans, mortgage loans, housing loans, retail assets, vehicle finance, etc. to provide tailored solutions to customers. Collaborate with internal teams to resolve customer queries and issues related to gold loan applications processing. Maintain accurate records of customer interactions using CRM software.

Job Description The incumbent will be responsible to sell the product by establishing contact and building relationships with prospects Roles & Responsibilities**Specific Responsibilities** Understanding of the Educational Dynamics of the market and the area. Understanding of the Channel network and Industrial Areas of the market. Sell product by establishing contact and building relationships with prospects; recommending solutions. Develop good relationship with customers through personal contact or meetings or via telephone etc. Follow up after sanctioning on regular receipts of payment Display efficiency in gathering market and customer info to enable negotiations Eligibility - At least 4-5 years of relevant experience (Sales) in any kind of service or sale of product to Education Institutions/ Loan against Property Existing relationships with educational institution could be additional advantage. Knowledge of Lending Business especially LAP & Education Institution Loan could be additional advantage. Min Qualification required is Graduation Experience in LAP loans and Educational Institution loans **Technical Skills required:** Good interpersonal skills, good negotiators and mediators. Relationship Management Good Energy Level Motivation for Sales Basic Knowledge of computer applications Local Language knowledge is must.

Job Description The incumbent will be responsible to sell the product by establishing contact and building relationships with prospects Roles & Responsibilities**Specific Responsibilities** Understanding of the Educational Dynamics of the market and the area. Understanding of the Channel network and Industrial Areas of the market. Sell product by establishing contact and building relationships with prospects; recommending solutions. Develop good relationship with customers through personal contact or meetings or via telephone etc. Follow up after sanctioning on regular receipts of payment Display efficiency in gathering market and customer info to enable negotiations Eligibility - At least 4-5 years of relevant experience (Sales) in any kind of service or sale of product to Education Institutions/ Loan against Property Existing relationships with educational institution could be additional advantage. Knowledge of Lending Business especially LAP & Education Institution Loan could be additional advantage. Min Qualification required is Graduation Experience in LAP loans and Educational Institution loans **Technical Skills required:** Good interpersonal skills, good negotiators and mediators. Relationship Management Good Energy Level Motivation for Sales Basic Knowledge of computer applications Local Language knowledge is must.

Job Description The incumbent will be responsible to sell the product by establishing contact and building relationships with prospects Roles & Responsibilities**Specific Responsibilities** Understanding of the Educational Dynamics of the market and the area. Understanding of the Channel network and Industrial Areas of the market. Sell product by establishing contact and building relationships with prospects; recommending solutions. Develop good relationship with customers through personal contact or meetings or via telephone etc. Follow up after sanctioning on regular receipts of payment Display efficiency in gathering market and customer info to enable negotiations Eligibility - At least 4-5 years of relevant experience (Sales) in any kind of service or sale of product to Education Institutions/ Loan against Property Existing relationships with educational institution could be additional advantage. Knowledge of Lending Business especially LAP & Education Institution Loan could be additional advantage. Min Qualification required is Graduation Experience in LAP loans and Educational Institution loans **Technical Skills required:** Good interpersonal skills, good negotiators and mediators. Relationship Management Good Energy Level Motivation for Sales Basic Knowledge of computer applications Local Language knowledge is must.

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 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 Location - Ahmedabad,Ahmednagar,Akurdi,Ambejogai,Anand,Anklav,Aurangabad,Vadodara,Beed,Bharuch,Bhavnagar,Bhusawal,Bodeli,Botad,Chowk,Dahod,Dholka,Dhule,Gandhinagar,Halol,Himatnagar,Jalgaon,Jalna,Jamnagar,Jasdan,Kheda,Latur,Lunawada,Mehsana,Modasa,Morbi,Nadiad,Nanded,Naroda,Nashik,Petlad,Pimpri,Pune,Rajkot,Rajpipla,Shirpur,Solapur,Vadali