Relationship Manager - Micro Mortgages

Job description

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. Internal Process • 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 Functional Skills • 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 Behavioral Skills • 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 Location - Channapatna,Rajanagaram,Haveri,Dindigul,Ambasamudram,Tenkasi,Nagapattinam, Hospet,Sindhnur,Thrissur,Gangavathi,Gangavati,Kovilpatti,Thoothukudi,Mysuru, Krishnagiri,Arcot,Aruppukkottai