Individual Relationship Officer Mortgage Rural/ Sales 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 Self-deliverables The most significant tasks performed on an individual basis without involving subordinates are Sl No Tasks Performed 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 Good 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 - Rural ( Mortgage, LAP, HL) (India)
🏢 SMFG INDIA CREDIT
📍 India