Relationship Manager-DSA-Housing Loans

ROLEPURPOSE & OBJECTIVE

• ManagingEnd to End sales life cycle of tapping prospects throughmarketing activities, understanding their requirement andrendering advice
• Negotiatingcommercials, timely disbursement of loan and providing other BankProducts.
• Implementingtactics to enhance market penetration through DSA channels &marketing activities.
• Toset up distribution DSA channel involving in DSA empanelment &handling cases referred by DSAs directly.
• Applicableto all loan officers with 12 Months of service

• Costof hiring and placing new Relationship Officers at Branches
• OperationalCost of managing the Conveyance and Claims of RelationshipOfficers
• Costof procurement marketing collaterals, sales aids
• Shallbe expected to manage a portfolio of Rs.15 Cr. Progressively

• Managinga single product across the branches of operations
• Managinga team size of 5 employees progressively
• Managingassets like marketing collaterals, Stationary, Dockets andSystems
• Managinghiring and placement of Relationship Officers in requiredBranches

• Engaging& empaneling with various DSAs in that particularlocation for increasing Traffic for HL
• Toset up distribution via DSA enrollment across the location.
• Targetson number & value of files for Log-in, approval, disbursementof HL
• 65%of target of HL 15% from FD, 15% of S/A and 10% of standaloneInsurance
• Collectionof Bounced cases for no zero default track of all customerssourced.
• FTRon all files

• Attendand address customer queries and grievances within the definedTAT.
• Managinginternal and external customer relationship to ensure customersatisfaction.
• Ensurecustomers are educated about all products/services offered byUjjivan.
• Ensurelower customer attrition by providing different products as percustomer requirement.
• Focuson lower TAT as per laid down standards.

• FTRon all work/processes/ files
• Wellspread file flow of log-in and disbursal over a month.
• Documentationand preparation of process manuals

• Mentorloan officer too graduate to next level.
• Worktowards grooming self for next level of cluster manager with helpof Cluster Manager & Area Manager.
• Completionof goal setting and appraisal on time

• Graduatewith 1 -2 Year experience in Housing Loans
• PostGraduate with 6-12 months experience in Housing loans

• 3years in sales and documentation of loans of which at least 1year in Housing Loans handling DSAs, home loans or loanagainst property in an NBFC/ Bank/HFC. Mixed experience of Sales& Credit is acceptable, but should be predominantly in sales

• Relevantcertifications shall be an added advantage

• Abilityto create teams and drive sales performance. Will be required totake complete ownership of Housing business at Cluster level.
• Abilityto engage with DSAs, customers, Plan & executeMarketing and Sales promotion
• Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English (Read-speak-write) is required. Has goodverbal fluency and uses simple, clear and purposeful language.
• AdequateComputer knowledge

• SoundProduct knowledge
• Shouldpossess Training Skills
• Willingnessto travel & relocation as per business requirements andcareer opportunities
• Managingcustomer relations
• Performanceoriented

• GoodComputer Knowledge
• Competentto handle MIS systems and Lending Software

• Productand Marketing Team
• RegionalOperations, Credit
• Audit,Vigilance and FCU team
• AreaTechnical Manager

• LegalVendors
• Externalmarketing agencies
• CompetitorCounterparts