Job Title

Cluster Manager Micro Mortgages

Department

Micro Mortgages

Location

BRANCH

Type of Position

Full-time

Reports To

Regional Sales Manager/ Area Manager - Micro Mortgages

Reporting Into

- Relationship Manager
- Portfolio Manager
- Customer Service Officer

Role Purpose / Objective
- Drives Mortgage business in their respective Cluster. Is responsible for overall growth and success of the MLAP business cross sell TPP Liability Products
- Buildefficient team of Relationship Officers in the Cluster assigned

Size of the Role Financial size
- Cost of hiring and placing current Relationship 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 Cr. Progressively

Non-Financial Size
- Managing a single product across the branches of operations
- Managing a team size of 5 employees progressively
- Managing assets like marketing collaterals, Stationary, Dockets and Systems
- Managing hiring and placement of Relationship Officers in required Branches

Key Duties / Responsibilities

Candidates should be able to deliver budgeted business figures from the Cluster of control through placing adequate manpower across active branches. He/She is also responsible for building a quality portfolio without compromising on quantum of business

Business / Financials

1.



Daily/Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required
2. Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
3. Efficient staffing by timely recruitment training
4. Supports Relationship Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
5. Should be ready to travel extensively across the cluster of control for business requirements

Customer (Both Internal External)
1. Ensure that customers are aware of the Product and services properly
2. Ensure that customers are explained about the Terms Conditions of Product
3. Focus on lower TAT as per laid down standards.

Internal Process
1. Monitor health of portfolio
2. Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.
3. Ensure, supervise the correct implementation of the credit procedures including all the respective tools

Innovation Learning
1. Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees

📌 Cluster Manager-Micro Mortgages (Tamil Nadu)
🏢 Ujjivan Small Finance Bank
📍 Tamil Nadu