Relationship Manager-DSA-Housing Loans Ujjivan Small Finance Bank

1.0 - 2.0 years

3 - 5 Lacs

Ahmedabad, Vadodara

Work from Office

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

Posted 2 weeks ago

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