19 Micro Mortgages Jobs

We are looking for a highly skilled and experienced Relationship Manager to join our team at Ujjivan Small Finance Bank Limited. The ideal candidate will have 6-10 years of experience in the banking industry, preferably in micro mortgages. Roles and Responsibility Manage relationships with existing customers to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through cross-selling of financial products. Develop and implement strategies to increase customer acquisition and retention. Collaborate with internal teams to resolve customer queries and issues. Analyze market trends and competitor activity to stay ahead in the market. Build and maintain strong relationships with key stakeholders, including customers, partners, and internal teams. Job Requirements Strong knowledge of micro mortgages and related financial products. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet sales targets. Strong analytical and problem-solving skills. Experience in relationship management and customer service. Ability to build and maintain strong relationships with customers and stakeholders. Competitive salary and benefits will be offered to the right candidate. Location - Chowk,Morbi,Rajpipla.

GRADE - AVP-I DEPARTMENT - Micro Mortgages REPORTS TO Regional Business Manager Micro Mortgages REPORTING INTO Cluster Manager Micro Mortgages ROLE PURPOSE & OBJECTIVE Drives Mortgage business in their respective Area. Is responsible for overall growth and success of the Micro Mortgage business & cross sell TPP & Liability Products Oversees the performance of the Micro Mortgage portfolio of his/her Area by Cluster and branch in terms of growth (amount and client base) and productivity of cluster manager/Relationship officers by guiding them and carrying out constructive reviews of their performance In coordination with the branch, credit, Risk, collection & product teams, identifies suitable branches and locations for Micro Mortgage business and gets the locations activated by hiring and placing suitable manpower required for different roles SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Managing a portfolio of 100 Cr. Progressively NA KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business 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 Cluster Manager- 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 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. Learning & Performance 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, preferably Post Graduation Experience 5 years in sales and documentation of loans of which at least 3 years in Mortgage Loans, home loans or loan against property and Business loans in an NBFC/ Bank/HFC. Mixed experience of Sales + Credit is acceptable, but should be predominantly in sales. Functional Skills Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing Loan at sub-regional level. Ability to engage with customers, colleagues & agencies providing valuation and legal opinion. Plan & execute Marketing and Sales promotion for Housing Loan Ability to plan and coordinate Team Leading Experience is highly preferred 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. Good Computer knowledge. Characteristics of Entrepreneurial Behavior Ability to plan, set goals, initiative, persistence, self-discipline, capacity to take risks, produce support networks and assess the market Establishes a friendly and professional relationship with the entire team Behavioral Skills Training Skills Interpersonal skills ability to handle various types of mind-sets and get desired output for meeting banks goal Willingness to travel & relocation as per business requirements and career opportunities Managing customer relations Performance oriented KEY INTERACTIONS INTERNAL EXTERNAL Product and marketing team Legal & technical team Regional Ops, Credit , collection External marketing agency Audit, Vigilance, Admin & FCU team Govt. authorities Lead Banks State Level Bankers Committees Branch Banking Team State Govt. Agencies/ Panchayats.

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 Customer (Both Internal & External) Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization Internal Process Carry out the pre and post-loan activities related to MLAP Loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality Visit the customers business and home to do the assessment/evaluation, following the Product Policy procedures. Coordinate with the credit department in case of identifying discrepancies or problems in customers information, reports, etc. through Cluster Manager MLAP Innovation & Learning Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch Inform Cluster Manager MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis Ensure adherence to training man-days/ mandatory training programs for self Should be updated with the latest trends in civic and local laws of the location of operation 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 Certifications Relevant certifications shall be an added advantage Functional Skills Knowledge of Secured loans/ Mortgage Loans Sales and marketing skills retail financial products Communication Skills - fluent in the local language & can read-write basic English Equipped enough to read and understand the legal papers Behavioral Skills Sound Product knowledge Willingness to travel across the branches and catchment to expand the business Managing customer relations Performance oriented Competencies Good Computer Knowledge Location: Ambasamudram,Anupshahr,Aruppukkottai,Coimbatore,Cuddalore,Cumbum,Erode,Gobichettipalayam,Kumbakonam,Madurai,Mannargudi,Mayiladuthurai,Nagapattinam,Namakkal,Panruti,Paramathi-Velur,Pattukkottai,Periyakulam,Rajapalayam,Rasipuram,Salem,Sankarankoil,Sathyamangalam,Tenkasi,Thanjavur,Theni,Thiruvaiyaru,Tiruvannamalai,Thiruvarur,Tirunelveli,Tiruppur,Udumalaipettai,Vellore,Virudhachalam, Gangavathi,Gangavati,Vadalur

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2 to 7 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 to expand the client base. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales revenue and cross-sell products. Collaborate with internal teams to resolve customer queries and issues promptly. 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. Strong analytical and problem-solving skills. Familiarity with financial regulations and compliance requirements. Proficiency in using technology and software applications.

Roles and Responsibility Manage relationships with existing customers to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking and referrals to expand the customer base. Conduct site visits to assess customer needs and provide personalized solutions. Develop and implement strategies to increase sales revenue and market share. Collaborate with internal teams to resolve customer queries and issues promptly. Maintain accurate records of customer 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. Strong analytical and problem-solving skills. Familiarity with financial regulations and compliance requirements. Experience in relationship management and sales strategy development.

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 1-2 years of experience in the BFSI industry, preferably with a background 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 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 Mortgages and Inclusive Banking products. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Strong analytical and problem-solving skills. Familiarity with relationship management software and tools. Ability to meet sales targets and achieve performance goals. Location: Chennai,Ponneri,Vellore,Arakonam

1. Business/ Financials 2. Daily/ Weekly /Monthlymonitoring of the accomplishment of targets according to the annual/monthlytargets established for the area and branches under his/her responsibility toprovide guidance and solutions to his/her team as required 3. Supports Loan Officers-in his/her area in their duties of client visits, risk assessment and recoverystrategies 4. Efficient staffing bytimely recruitment & training 5. Supports RelationshipOfficers- in his/her area in their duties of client visits, risk assessment andrecovery strategies 6. Should be ready totravel extensively across the cluster of control for business requirements 7. Customer (Both Internal & External) 8. Ensure that customersare aware of the Product and services properly 9. Ensure that customersare explained about the Terms & Conditions of Product 10. Focuson lower TAT as per laid down standards. 11. Internal Process 12. Monitor health of portfolio 13. Ensure compliance with lending guidelines, quality framework and auditrequirements; ensure speedy resolution of any audit observations and takenecessary steps to prevent recurrence audit and other regulations. 14. Ensure, supervise the correct implementation of the credit proceduresincluding all the respective tools 15. Innovation & Learning 16. Ensuregoal-setting, mid-year review and annual appraisal process within specifiedtimelines for self and reportees 17. Evaluate the staffcompetences in terms of promotion, business assessment and credit riskassessment capacity and propose solutions for improvement 18. Expected to be updatedwith all new improvement & innovations happening in the market andcompetitors 19. Should be updated withthe latest trends in civic and local laws of the territory of operation Location -Ahmedabad,Ahmednagar,Anand,Aurangabad,Vadodara,Bharuch,Bhavnagar, Botad,Dahod,Dhule,Dombivli,Halol,Himatnagar,Jamnagar,Kheda, Latur,Mehsana, Nadiad, Nanded,Nashik,Pune,Shirpur,Solapur,Morbi,Naroda

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

Roles and Responsibility Manage relationships with existing clients to ensure timely repayment of loans. 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 mortgages and financial products. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Strong analytical and problem-solving skills. Familiarity with banking operations and procedures. Ability to meet sales targets and achieve performance goals.

Roles and Responsibility Manage relationships with existing clients to ensure timely repayment of loans. 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. Strong analytical and problem-solving skills. Familiarity with financial regulations and compliance requirements. Proficiency in using technology and software applications.

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 to expand the client base. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales revenue from existing clients. Collaborate with internal teams to resolve customer queries and issues promptly. Maintain accurate records of client interactions and transactions. Job Requirements Minimum 3 years of experience in relationship management, preferably in micro mortgages. Strong knowledge of financial products and services related to housing loans. Excellent communication and interpersonal skills to build strong client relationships. Ability to work independently and as part of a team to achieve sales targets. Strong analytical and problem-solving skills to identify new business opportunities. Proficiency in using technology platforms to manage client interactions and transactions.

Roles and Responsibility Manage relationships with existing clients to ensure timely repayment of loans. 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 Minimum 2 years of experience in relationship management, preferably in micro mortgages. Strong knowledge of financial products and services, including micro mortgages. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Strong analytical and problem-solving skills. Proficiency in MS Office and other relevant software applications.

Roles and Responsibility Develop and maintain strong relationships with clients to understand their financial needs and provide tailored solutions. Identify new business opportunities and expand existing customer relationships through effective sales strategies. Conduct thorough analysis of client financial data to provide accurate assessments and recommendations. Collaborate with internal teams to ensure seamless delivery of products and services. Stay up-to-date with market trends and competitor activity to stay ahead in the competition. Provide exceptional customer service and support to ensure high levels of customer satisfaction. Job Requirements Strong knowledge of micro mortgages and related products. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet sales targets. Strong analytical and problem-solving skills. Experience working with cross-functional teams. Ability to adapt to changing market conditions and regulatory requirements.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1 to 6 years of experience in the BFSI industry, preferably in micro mortgages. Roles and Responsibility Manage relationships with existing customers to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking and referrals to expand the customer base. Conduct site visits to assess customer needs and provide personalized solutions. Develop and implement strategies to increase sales revenue and market share. Collaborate with internal teams to resolve customer queries and issues promptly. Maintain accurate records of customer 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. Strong analytical and problem-solving skills. Familiarity with financial regulations and compliance requirements. Experience in relationship management and sales strategy development.

I. KEY DUTIES & RESPONSIBILITIES OF THE ROLE 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. 1. Business/ Financials 2. Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion 3. Maintain database of the prospects, meet select prospects and manage the relationship thereafter 4. Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans 5. Should be ready to travel extensively across the catchment area of the location to build the base of business 6. Customer (Both Internal & External) 7. Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective 8. Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization 9. Internal Process 10. Carry out the pre and post-loan activities related to MLAP Loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality 11. Visit the customers business and home to do the assessment/evaluation, following the Product Policy procedures. 12. Coordinate with the credit department in case of identifying discrepancies or problems in customers information, reports, etc. through Cluster Manager MLAP 13. Innovation & Learning 14. Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch 15. Inform Cluster Manager - MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis 16. Ensure adherence to training man-days/ mandatory training programs for self 17. Should be updated with the latest trends in civic and local laws of the location of operation

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 1-6 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 Sales

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 Responsibilities: Drive micro mortgage product sales at branch level. Manage channel relationships and DSA networks. Ensure credit compliance and documentation accuracy. Monitor disbursements and maintain portfolio health. Achieve business targets and reduce NPAs. Requirements: Graduate/MBA with 4-7 years in affordable housing or micro mortgage sales. Strong understanding of mortgage products and rural markets. Good communication and team management skills. Proficient in loan origination and field operations. Skills Sales Highest Education Bachelor of Commerce Working Language Tamil Location - Kumbakonam,Mannargudi,Tanjore,Thanjavur

Processing & generating leads for Micro LAP & Micro Housing finance by accessing their income through personal discussion & field Visit. Track and Ensure Repayments of the Loan disbursed Lead generation & conversion for existing micro finance members who require MICRO LAP or MICRO Housing Ensure consistent delivery of Equitas products and services and prompt repayment in an efficient and cost effective manner Sourcing & Completion of Loan document application form filling and follow-up to be done till disbursement stage. Skills Skill Survivability Highest Education Bachelor of Arts Working Language Tamil, English Location - Thiruvannamalai.