POSITION DESCRIPTION JOB TITLE : Cluster Manager – Micro Mortgages GRADE : SM DEPARTMENT : Micro Mortgages LOCATION : BRANCH SUB-DEPARTMENT : 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 Build efficient team of Relationship Officers in the Cluster assigned SIZE OF THE ROLE FINANCIAL SIZE NON-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 Rs.15 Cr.

Progressively

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 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 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





Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies Efficient staffing by timely recruitment & training Supports Relationship Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies Should be ready to travel extensively across the cluster of control for business requirements Customer (Both Internal & External) Ensure that customers are aware of the Product and services properly

Ensure that customers are explained about the Terms & Conditions of Product Focus on lower TAT as per laid down standards.

Internal Process

Monitor health of portfolio

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. Ensure, supervise the correct implementation of the credit procedures including all the respective tools Innovation & Learning Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees

Evaluate the staff competences in terms of promotion,



business assessment and credit risk assessment capacity and propose solutions for improvement Expected to be updated with all new improvement & innovations happening in the market and competitors Should be updated with the latest trends in civic and local laws of the territory of operation MINIMUM REQUIREMENTS OF KNOWLEDGE &

SKILLS Educational Qualifications Graduate in Commerce or relevant subjects An MBA or equivalent is an added advantage Experience(Years and Core Experience Type) 5 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 MLAP at Cluster level. Ability to engage with customers, Plan & execute Marketing and Sales promotion for MLAP 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, clear 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 : PRESHAANTH R DATE : 09-12-2023 REVIEWED BY : PRADEEP B DATE : 12-12-2023 LAST UPDATED BY : TM Team DATE : 15-01-2024

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