Individual Relationship Officer Mortgage (M IRO)

Rural/ Sales

Job Title

Function / Department

Department Head

Reporting Manager

Rural Business Head

Cluster Mortgage Manager or Area Mortgage Manager

Purpose of the Job:

Contribute to the growth of mortgage business by targeting with higher ticket size loan (10 to 25 Lakhs) with maintaining quality portfolio

Describe the KPIs against each perspective

Perspective

Key Performance Indicators

Business and Financial Management

Achievement in Volume against the target on monthly basis

Ensuring healthy portfolio quality by ensuring timely repayment,

collections.

Ensuring delinquency within the threshold level

Insurance Attachment as per policy

Focus on Enterprises/Small Businesses (Non Salaried, Non Direct

Agri)

Customer Focus

Customer engagement for document completion

Attending customer queries & resolution in TAT

Actively co-ordinate with the Risk, Ops, Legal and Valuers for the closure within time frame.

People / Team

Co-ordinate with the concerned teams to ensure closure on disbursal.

Adherence to Company process on sourcing, disbursement,

collection

Process / Quality Improvement

Sourcing Customers:

Responsible for sourcing target customers (Mortgage) in the branch catchment area.

Cold calling, generation of leads, attending to prospects and logging in the file with necessary documents like KYC etc





Market penetration through direct/indirect marketing activities

Empanelling DSAs, generating business through DSA network with relationship management as per Sourcing Policy of the company released time to time.

Disbursement:

Coordinating with Risk Team for PD, facilitating additional documents/information if any.

Ability to present and discuss the case with sanction authority

Necessary inputs to the appraisal as and when required

Documentation, coordinating with customers for mortgage and Ops for timely disbursement activities

Ensuring post disbursement compliance as per stipulated time.

Collection:

Ensuring timely repayment from the customers

Ensuring portfolio quality by following up with delinquent customers

Expertise required/ Domain Knowledge:

Excellent local network and local market knowledge

Excellent ability to speak, read and write in local language

Self driven with go and getter attitude

Positive understanding of enterprises-business cycle, working capital etc

Good interpersonal skills

DSA handling experience is an advantage

Individual should own a bike.

No. of years of relevant experience:

Candidate should have 3-5 years of experience in Mortgage loans (high ticket size).

Any specific specialization/education:

Minimum Graduation is required. However, 12th pass candidate can be considered provided he/she possesses adequate and relevant work experience

📌 Walk-in || Sales officer IRO, HL / LAP (Aruppukkottai)
🏢 SMFG INDIA CREDIT
📍 Aruppukkottai