Branch Sales Manager-Micro Mortgages

Job description

• POSITION DESCRIPTION JOB TITLE : Branch Sales Manager-Micro Mortgages GRADE : M DEPARTMENT : Micro Mortgages LOCATION : BRANCH SUB-DEPARTMENT : TYPE OF POSITION : Full-time REPORTS TO : Area Manager-Micro Mortgages REPORTING INTO • Relationship Officer-Micro Mortgages • Portfolio Officer-Micro Mortgages • ROLE PURPOSE & OBJECTIVE • Interact with the customers, look out for the requirements of the customers who wish to take a micro mortgage loan, creating the demand for the same and fulfilling the demand. • Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering advice • Negotiating with customers, timely disbursement of loan and providing other Bank Products. • Implementing tactics to enhance market penetration through Bank branches, Connectors, customer referrals and marketing activities. • To set up distribution through builder Empanelment (APF), Marketing activities, relationship management with stakeholders as required • SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE • Cost of hiring and placing new Relationship Officers and Portfolio 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.10 Cr. Progressively • Managing a housing vertical's product across the location of operations • Managing assets like marketing collaterals, Stationary, Dockets and Systems • Managing a team size of 2-3 ROs/POs reporting into the role. • KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials • Aligning with bank Branches & other Ujjivan teams (Micro-Banking & others) for increasing Traffic for MM • Increase distribution by interacting closely with MB team and other internal sources • Targets on number & value of files for Log-in, approval, disbursement of HL • 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 • Manage and nurture the team reporting into this role • 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 • Work towards grooming self for next level of Area Manager with help of supervisor. • Completion of goal setting and appraisal on time • MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications • Graduate with 3-8 years' experience in mortgages industry. Experience (Years and Core Experience Type) • 3-8 years in sales and documentation of loans of which at least 2 years in Housing Loans, home loans or loans 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 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 PREPARED BY: Preshaanth R DATE: 31-01-2025 REVIEWED BY: Rishu Kumar DATE: 31-01-2025 LAST UPDATED BY: TM Team DATE: 17-03-2025