Relationship Manager - Working Capital

I.ROLE PURPOSE & OBJECTIVE

1.MSME vertical is a growing business for Ujjivan. The Relationship Manager will be an important position that will drive this business for the particular location.

2.Focused customer acquisition of Working Capital - Fund Based & Non Fund Based customers for Facility amount up to Rs. 10 Cr and drive business.

1. Self-sourcing of potential customer. Conversion of Leads from Channel partners (DSA/Connector) and Ujjivan Staff referrals.

4.Focus on Relationship building with clients through cross sell of CA, TD, Insurance, Salary accounts, BNB and drive transactions through Ujjivan

1. Coordinated with team members for the disbursement and work effectively for achieving assigned business targets
2. Portfolio management like renewal, interest servicing etc.

II.SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Monthly Business volume as per the business target. Productivity of around 1.5 2 Cr Monthly Fresh Limit set-up

Timely Interest serving, Regular Churning to prevent Delinquency

Timely Renewal of existing customers, managing 20 40 customers

• Coordination with Credit Manager for case approval and CAD and Operations for case disbursement.
• Maintains Daily sales report and sharing with supervisor.
• Maintains DSA tracker for pay-out processing

III.KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

oDaily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for branches under his/her responsibility

oImplement, supervise and control effectiveness of commercial strategy to reach the productivity and growth targets established.

Customer (Both Internal & External)

oEnsure customers are educated about all products/services offered by Ujjivan.

oEnsure lower customer attrition by providing different products as per customer requirement.

oFocus on lower TAT as per laid down standards.

Internal Process

oMonitor health of portfolio

oEnsure, supervise the correct implementation of the credit procedures including all the respective tools

oDiscuss strategies and changes in terms of products, capacity building, procedures etc.

Innovation & Learning

oEnsure adherence to training man-days/ mandatory training programs for self

oEnsure goal-setting, mid-year review and annual appraisal process within specified timelines for self

IV.MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

MBA / CA with 2 Year experience. In case of other Graduate, relevant 4 year experience

Experience

2 - 4 years in sales and documentation of working capital business. Mixed experience of Sales + Credit is acceptable, but should be predominantly in sales

Functional Skills

• Ability to drive sales performance. Will be required to manage customers of MSME loan at Branch level.
• Ability to engage with customers, colleagues & agencies providing valuation and legal opinion. Plan & execute Marketing and Sales promotion for MSME loans
• Awareness about different Liabilities, Insurance and loan products.
• Ability to speak and read regional language(s)- is desirable. Ability to communicate in English

• Behavioral Skills
• Product knowledge
• Training Skills
• Willingness to travel & relocation as per business requirements and career opportunities
• Managing customer relations

Performance oriented

• Competencies Required
• Good Computer Knowledge
• Competent to handle MIS systems and Lending Software