POSITION DESCRIPTION JOB TITLE : Relationship Manager-Housing Loans GRADE : M DEPARTMENT : Housing Loans LOCATION : BRANCH SUB-DEPARTMENT : TYPE OF POSITION : Full-time REPORTS TO : Cluster Manager-Housing Loans REPORTING INTO Loan Officer-Housing Loans ROLE PURPOSE & OBJECTIVE

Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering advice Negotiating commercials, timely disbursement of loan and providing other Bank Products. Implementing tactics to enhance market penetration through Bank branches, Connectors, customer referrals and marketing activities. To set up distribution through builder Empanelment (APF), Applicable to all loan officers with 12 Months of service SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Cost of hiring and placing new 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 Rs.5 Cr.

Progressively

Managing a single product across the branches of operations Managing assets like marketing collaterals, Stationary, Dockets and Systems KEY DUTIES &

RESPONSIBILITIES OF THE ROLE Candidate 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 Aligning with bank Branches & Microbanking team for increasing Traffic for HL To set up distribution via connector enrollment and engagement through builder Empanelment (APF). Targets on number & value of files for Log-in, approval, disbursement of HL 65% of target of HL 15% from FD, 15% of S/A and 10% of standalone Insurance Collection of Bounced cases for no zero default track of all customers sourced. FTR on all files Customer (Both Internal & External) Attend and address customer queries and grievances within the defined TAT. Managing internal and external customer relationship to ensure customer satisfaction. Ensure customers are educated about all products/services offered by Ujjivan. Ensure lower customer attrition by providing different products as per customer requirement. Focus on lower TAT as per laid down standards.

Internal

Process FTR on all work/processes/ files Well spread file flow of log-in and disbursal over a month. Documentation and preparation of process manuals Innovation & Learning Work towards grooming self for next level of cluster manager with help of Cluster Manager & Area Manager. Completion of goal setting and appraisal on time MINIMUM REQUIREMENTS OF KNOWLEDGE &





SKILLS Educational Qualifications Graduate with 1 -2 Year experience in Ujjivan in Housing Loans Post Graduate with 6-12 months experience in Housing loans Experience(Years and Core Experience Type) 2 - 7 years in sales and documentation of loans of which at least 2 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 Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing business at Cluster level. Ability to engage with customers, Plan & execute Marketing and Sales promotion Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, explicit and purposeful language.

Adequate

Computer knowledge Behavioral Skills Sound Product knowledge Should possess Training Skills Willingness to travel & relocation as per business requirements and career opportunities Managing customer relations Performance oriented Competencies Good Computer Knowledge Competent to handle MIS systems and Lending Software KEY INTERACTIONS INTERNAL EXTERNAL Product and Marketing Team Regional Operations, Credit Audit, Vigilance and FCU team Area Technical Manager Legal Vendors External marketing agencies Competitor Counterparts PREPARED BY: Shiv Kumar DATE: 22-01-2024 REVIEWED BY: Pradeep B DATE: 22-01-2024 LAST UPDATED BY: TM Team DATE: 22-01-2025

📌 Relationship Manager-Housing Loans (Hosur)
🏢 Ujjivan Small Finance Bank
📍 Hosur