Deputy Relationship Manager-Micro Mortgages

Job description

• POSITION DESCRIPTION JOB TITLE : Deputy Relationship Manager-Micro Mortgages GRADE : DM-II DEPARTMENT : Micro Mortgages LOCATION : BRANCH SUB-DEPARTMENT : TYPE OF POSITION : Full-time REPORTS TO : Cluster Manager- Micro Mortgages REPORTING INTO • ROLE PURPOSE & OBJECTIVE • Lead Generation – Conduct regular marketing and sales activities to generate leads from the identified markets • Dealing with the Customers- Engage with the customers at the front end to ensure smooth conversions from lead stage to disbursement and also repayment, recovery and retention. • SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE • Shall be expected to manage a portfolio of Rs.5 Cr. Progressively • Managing a single product across the branch catchment area • Managing a customer base of 100 customers progressively • KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials • Candidate should be able to deliver targeted business figures from the location of the branch. He/She is also responsible for building a quality portfolio without compromising on quality levels. • Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion • Maintain database of the prospects, meet select prospects and manage the relationship thereafter • Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans • Should be ready to travel extensively across the catchment area of the location to build the base of business Customer (Both Internal & External) • Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective • Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization Internal Process • Carry out the pre and post-loan activities related to MLAP Loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality • Visit the customer’s business and home to do the assessment/evaluation, following the “Product Policy” procedures. • Coordinate with the credit department in case of identifying discrepancies or problems in customer’s information, reports, etc. through Cluster Manager – MLAP Innovation & Learning • Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch • Inform Cluster Manager – MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis • Ensure adherence to training man-days/ mandatory training programs for self • Should be updated with the latest trends in civic and local laws of the location of operation. • MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications • Graduate in Commerce or relevant subjects Experience(Years and Core Experience Type) • 2 years in sales and documentation of loans of which at least 1 years in Housing Loans, 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 • Knowledge of Secured loans/ Mortgage Loans • Sales and marketing skills – Retail financial products • Communication Skills - fluent in the local language & can read-write basic English • Equipped enough to read and understand the legal papers Behavioral Skills • Sound Product knowledge • Willingness to travel across the branches and catchment to expand the business • Managing customer relations • Performance oriented Competencies • Good Computer Knowledge • KEY INTERACTIONS INTERNAL EXTERNAL • Branch Managers • Regional Operations, Credit • IL Loan Officers, CROs • Area Technical Manager • Legal Vendors • External marketing agencies • Competitor Counterparts PREPARED BY : PRESHAANTH R DATE : 18-09-2021 REVIEWED BY : PRADEEP B DATE : 18-09-2021 LAST UPDATED BY : TM Team DATE : 11-02-2026