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