Relationship Manager-Micro Mortgages

DEPARTMENT

MicroMortgages

REPORTSTO

ClusterManager Micro Mortgages

REPORTINGINTO

RelationshipOfficer Micro Mortgages

1. 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 Bank branches,Connectors, customer referrals and marketing activities.
• Toset up distribution through builder Empanelment (APF),
• Applicableto all loan officers with 12 Months of service

1. SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

• 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

1. KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Candidateshould be able to deliver budgeted business figures from theCluster of control through placing adequate manpower across activebranches. He/She is also responsible for building a qualityportfolio without compromising on quantum of business

Business/Financials

• Aligningwith bank Branches & Micro banking team for increasingTraffic for HL
• Toset up distribution via connector enrollment and engagementthrough builder Empanelment (APF).
• 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

Customer(Both Internal & External)

• 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.

InternalProcess

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

Innovation& Learning

• 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

1. MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

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

Experience(Yearsand Core Experience Type)

• 5years in sales and documentation of loans of which at least 2years in Housing Loans, home loans or loan against property in anNBFC/ Bank/HFC. Mixed experience of Sales & Credit isacceptable, but should be predominantly in sales

Certifications

• Relevantcertifications shall be an added advantage

FunctionalSkills

• Abilityto create teams and drive sales performance. Will be required totake complete ownership of Housing business at Cluster level.
• Abilityto engage with customers, Plan & execute Marketing and Salespromotion
• 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

BehavioralSkills

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

Competencies

• GoodComputer Knowledge
• Competentto handle MIS systems and Lending Software

1. KEYINTERACTIONS

INTERNAL

EXTERNAL

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

• LegalVendors
• Externalmarketing agencies
• CompetitorCounterparts