13 Micro Mortgage Jobs

Roles and Responsibility Manage relationships with existing clients to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking and referrals. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales revenue. Collaborate with internal teams to resolve customer queries and issues. Maintain accurate records of client interactions and transactions. Job Requirements Strong knowledge of micro mortgage products and services. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Proficiency in MS Office and other relevant software applications. Strong analytical and problem-solving skills. Ability to meet sales targets and achieve performance goals.

Roles and Responsibility Manage relationships with existing clients to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking and referrals. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales revenue. Collaborate with internal teams to resolve customer queries and issues. Maintain accurate records of client interactions and transactions. Job Requirements Strong knowledge of micro mortgage products and services. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Proficiency in MS Office and other relevant software applications. Strong analytical and problem-solving skills. Ability to meet sales targets and achieve performance goals.

Roles and Responsibility Manage relationships with existing clients to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking and referrals. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales revenue. Collaborate with internal teams to resolve customer queries and issues. Maintain accurate records of client interactions and transactions. Job Requirements Strong knowledge of micro mortgage products and services. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Proficiency in MS Office and other relevant software applications. Strong analytical and problem-solving skills. Ability to meet sales targets and achieve performance goals.

Roles and Responsibility Manage relationships with existing clients to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking and referrals. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales revenue. Collaborate with internal teams to resolve customer queries and issues. Maintain accurate records of client interactions and transactions. Job Requirements Strong knowledge of micro mortgage products and services. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Proficiency in MS Office and other relevant software applications. Strong analytical and problem-solving skills. Ability to meet sales targets and achieve performance goals.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-4 years of experience in the BFSI industry, preferably in micro mortgages. Roles and Responsibility Manage relationships with existing clients to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking and referrals. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales and revenue growth. Collaborate with internal teams to resolve customer queries and issues. Maintain accurate records of client interactions and transactions. Job Requirements Strong knowledge of micro mortgage products and services. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet sales targets. Proficient in using technology and software applications. Strong analytical and problem-solving skills. Ability to build and maintain strong relationships with clients and colleagues.

ROLE PURPOSE & OBJECTIVE Underwrite Micro Mortgage in both SFB and URC branches Sanction or recommend loans up to Rs. 10 Lakh with proper justification based on the product features and credit policy matrix Ensure credit policies and processes of secured products of Micro / Rural banking vertical are followed effectively by branch staff Coordinate with legal and technical vendors for their expert opinion reports Ensure Legal opinion and technical valuation reports are interpreted properly while sanctioning these secured loans Interpretation of Property documents (Residential/commercial property), aware of the property value as per market and government value for LTV Conduct the risk assessment of the customer as per the defined scoring matrix for the products Visit the customer residence place and business / activity place to assess the financial parameters SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE 15 Cr asset portfolio at a cluster level to be managed Manage monthly disbursement of 1.25 Cr 25 Credit files processed in a month for a cluster Underwriting and approving proposals based on credit parameters and eligibility criteria Co-ordinate with business team for smooth flow of business and quick decision making. KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business Underwrite Micro Mortgage in the field through thorough assessment and personal discussion with borrower and / or co-borrower Underwrite IL loans in SFB and URC branches to understand the geography and segment Sanction or recommend secured loans up to Rs. 10 Lakh with proper justification as per product features, credit policy and based on approval rights Conduct farm lands, business place, office, and residence verification of the applicants based on the product and purpose of the loan Assess repayment capacity, character and cash flow of the applicant. Conduct reference checks with customers /suppliers / vendors / dealers. Ensure collection of relevant and proper documents. Ensure adherence to internal and regulatory policies / compliances like KYC etc. Understand the nature of collateral security, ensure the collateral offered is free from all the encumbrances, having clear title and marketability, the charge creation of the bank on the property should be exclusive first charge. Obtain Legal opinion and valuation reports on the collateral offered as security, should clearly advise type of mortgage to be created on the security in the sanction Decision whether to approve or reject the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan. Capture proper reasons of rejections and communicate the same to branch team in case of rejections Escalate deviations for necessary approval as per the deviation matrix. Observe for triggers in documents and escalate documents with issues to FCU team. Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 MOB. Review/renew the accounts before expiry of the limit through coordinating with Distribution team Ensure weekly and monthly productivity with respect to personal discussions, quality check of applications, sample visits and checks etc. Monitoring rejections from field, guide the branch staff to control the same and ensure higher number of Straight through applications from branches. Report/ Escalate critical issues at field for necessary action as per penalty matrix and ensure compliance of Audit issues. Conduct Loan Utilization Checks for the recent disbursement cases as per policy. Ensure to participate and drive the successful implementation of technology based projects at backend and field Engage in collections for recovery, follow up for Incremental overdues and non-starters Ensures success and growth of these products by adhering to defined policy and process for loan approval Customer Ensures customer satisfaction by processing of loan applications within the TAT defined Understand customers need & repayment capacity & make appropriate loan decisions and recommend right product and loan amount to right customer Ensure that credit responds to branch & customers queries and issues timely, thereby ensuring good service to customers through efficient processing of applications Co-ordinate with Legal and technical vendors for quick response on the property documents Coordinate with FCU team or agency for their reports Ensure customers documents are kept safe till they are handed over to concerned authority Coordinate with Operations for loan booking, safe keeping of the customer document etc. Undertake visits in other financial institutions for timely resolution of issues relating customer or staffs of other institution Engage with customer for any feedback on the products, policy and process Internal process Ensure credit policies and processes are followed effectively by sourcing staffs Ensure adherence to all regulatory norms with respect to KYC & Documentation, Customer Selection and Sanctioning of loans Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Ensure legal opinions are clearly understood and necessary action taken based on the legal opinion Ensure completeness of post disbursement documents, follow up for if gaps any Review branch working areas, negative areas, no-go areas and negative customer list Ensure that the Issue/ deviations / policy/ process violation are escalated appropriately to the concerned department and supervisors for implementation of penalty matrix. Attend audit closure meetings to understand identified issues & take necessary corrective measures. Maintain and update activity trackers Personal discussions, Quality check of files shadow visits, sample checks, trainings, LUCs, escalations, deviations, branch errors Learning & Performance Maintain up to date knowledge of all the products and the geography Keep updated about the regulatory norms for secured products Keep updated about the property document related policies and processes New products being introduced and new systems being adopted to be learnt quickly and to be adopted Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector study and underwrite cases at field Ensure necessary feedback is given to supervisors on regular basis about the credit policies, processes and systems for effective and efficient underwriting Improve the probing skills to identify any issues in the field and report critical findings / observations for necessary action Imparting training to branch team on Micro Mortgage products credit policies, processes and systems, conduct regular trainings on changes / refreshers. Ensuring visits in branches of other clusters to ensure understanding and learning through experience

Equitas Small Finance Bank is hiring for two roles: Relationship Manager (RM) - Standalone MOD and RM - Micro & Retail Mortgages. Here are the details: RM - Standalone MOD - CTC Range: 2-3.5 lakhs - Grade: EB01 to EB02 - Target: 50 lakhs with a 25,000 incentive at 0.5% - Additional Incentive: 0.2% for achieving 80-99.9% target RM - Micro & Retail Mortgages - Salary Range: 2-3.5 lakhs - Local Conveyance: 3,000 - Locations: Various districts in Tamil Nadu and Pondicherry, including Kumbakonam, Tiruvarur, Nagapattinam, and others KUMBAKKONAM- THIRUVARUR, NAGAPATTINAM, THIRUPPANANTHAL, ADHUTHURAI, POONTHOTTAM, VEDARANIYAM, THIRUTHURAIPOONDI, JEYANKONDAM, MAILADUTHURAI-SEMBANARKOIL, SEERKALI, PANRUTI, CHIDAMBARAM, VIRUTHASALAM, KARAIKAL, KATTUMANARKOIL, VADALUR PERAMBALUR- LALGUDI, MANACHANALLUR, PERAMBALUR, MUSIRI, THOTTIYAM, THURAIYUR, ARIYALUR, KALLAKURICHI, THITTAKUDI PONDYCHERRY- CUDDALORE, VILLUPURAM 1, KOLIYANUR, MURUGAMPAKKAM, THINDIVANAM, NELLIKUPPAM, THIRUKOVILURE Contact: 9444007802

Business/ Financials Aligning with bank Branches & other Ujjivan teams (Micro-Banking & others) for increasing Traffic for MM Increase distribution by interacting closely with MB team and other internal sources Targets on number & value of files for Log-in, approval, disbursement of HL 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 Manage and nurture the team reporting into this role 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 Area Manager with help of supervisor. Completion of goal setting and appraisal on time

Role & responsibilities Interact with the customers, look out for the requirements of the customers who wish to take a micro mortgage loan, creating the demand for the same and fulfilling the demand. Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering advice Negotiating with customers, 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), Marketing activities, relationship management with stakeholders as required Preferred candidate profile Graduate with 3-8 years' experience in mortgages industry. 3-8 years in sales and documentation of loans of which at least 2 years in Housing Loans, home loans or loans against property in an NBFC/ Bank/HFC. Mixed experience of Sales & Credit is acceptable but should be predominantly in sales.

Role & responsibilities Collecting required documentation from applicants and following up on missing items Ensuring that all customer files are complete and in compliance with regulatory agencies and internal policies Making recommendations for procedural changes to increase efficiency Assisting with special projects as requested and performing additional duties as required Processing files from opening through closing of each loan Gathering and verifying financial information Reviewing and analyzing credit reports Interviewing, assessing, and researching loan applicants Finalizing all the documentation for the closing process Guiding borrowers through the first step of loan processing Passing the loan files through to the underwriter once the paperwork is finalized Preferred candidate profile 1.Any Degree Must 2.Candidate Should experience in Collection dept, Retail and Micro Mortage. 3.Minimum 6 Month -3 yrs Need 4.Two-wheeler with License Must 5.Adhar, Pan, Education and Employment Certificate need. Location: Kumbakonam, Thiruvarur, Nagapattinam, Thirupananthaal. Adudhurai,Poonthottam,Vedharanyam, Thiruthuraipoondi, Jeyankondam

Key Responsibilities: Source and service micro mortgage clients in target geographies Manage credit profiling, documentation, and disbursements Maintain strong customer connect and ensure timely collections Work with channel partners and promote cross-sell Provide end-to-end support to customers throughout loan lifecycle Requirements: Graduate with 3-5 years in micro mortgage or housing loan sales Knowledge of credit appraisal and affordable housing segment Good interpersonal and field management skills Regional language proficiency preferred

Key Result Areas Key Responsibilities: Source and service micro mortgage clients in target geographies. Manage credit profiling, documentation, and disbursements. Maintain strong customer connect and ensure timely collections. Work with channel partners and promote cross-sell. Provide end-to-end support to customers throughout loan lifecycle. Requirements: Graduate with 3-5 years in micro mortgage or housing loan sales. Knowledge of credit appraisal and affordable housing segment. Good interpersonal and field management skills. Regional language proficiency preferred. Skills Skill Sales Highest Education Bachelor of Business Administration Working Language Tamil. Location - Tanjore, Kumbakonam,Thanjavur,Pattukkottai

Key Result Areas Weightage - 100% Key Responsibilities: Source and service micro mortgage clients in target geographies. Manage credit profiling, documentation, and disbursements. Maintain strong customer connect and ensure timely collections. Work with channel partners and promote cross-sell. Provide end-to-end support to customers throughout loan lifecycle. Requirements: Graduate with 3-5 years in micro mortgage or housing loan sales. Knowledge of credit appraisal and affordable housing segment. Good interpersonal and field management skills. Regional language proficiency preferred. Skills Skill Survivability Highest Education Bachelor of Science Working Language English / Tamil