Individual Relationship Officer - Mortgage ( MIRO )

Individual

• Achievement in Volume against the target on monthly basis
• Ensuring healthy portfolio quality by ensuring timely repayment, collections.
• Ensuring delinquency within the threshold level
• Insurance Attachment as per policy

Customer Focus

• Focus on Enterprises/Small Businesses (Non Salaried, Non Direct Agri)
• Customer engagement for document completion
• Attending customer queries & resolution in TAT

People / Team

• Actively co-ordinate with the Risk, Ops, Legal and Valuers for the closure within time frame.
• Co-ordinate with the concerned teams to ensure closure on disbursal.

Process / Quality Improvement

• Adherence to Company process on sourcing, disbursement, collection

Self-deliverables

• Responsible for sourcing target customers (Mortgage) in the branch catchment area.
• Cold calling, generation of leads, attending to prospects and logging in the file with necessary documents like KYC etc
• Market penetration through direct/indirect marketing activities
• Empanelling DSAs, generating business through DSA network with relationship management as per Sourcing Policy of the company released time to time.

Disbursement:

• Coordinating with Risk Team for PD, facilitating additional documents/information if any.
• Ability to present and discuss the case with sanction authority
• Necessary inputs to the appraisal as and when required
• Documentation, coordinating with customers for mortgage and Ops for timely disbursement activities
• Ensuring post disbursement compliance as per stipulated time.

Collection:

• Ensuring timely repayment from the customers
• Ensuring portfolio quality by following up with delinquent customers

Expertise required/ Domain Knowledge:

• Excellent local network and local market knowledge
• Excellent ability to speak, read and write in local language
• Self driven with go and getter attitude
• Good understanding of enterprises-business cycle, working capital etc
• Good interpersonal skills
• DSA handling experience is an advantage
• Individual should own a bike.

No. of years of relevant experience:

• Candidate should have 1-5 years of experience in Mortgage loans (high ticket size).

Any specific specialization/education:

• Minimum Graduation is required. However, 12th pass candidate can be considered provided he/she possesses adequate and relevant work experience

Human Capital Job Description Form Page 1 of 2 Fullerton India Credit Company Ltd Revision 1.0