JOB TITLE : Deputy Relationship Manager-Fast Track Loan
GRADE : DM-II
DEPARTMENT : Micro Banking
LOCATION : Greater Noida
SUB-DEPARTMENT : TYPE OF POSITION : Full time
REPORTS TO : Area Business Manager-Fast Track Loan
REPORTING INTO
NA
- ROLE PURPOSE &
- OBJECTIVE
- Lead Generation – Conduct regular marketing and sales activities to generate leads from approved working areas.
- Dealing with the Customers- Engage with the customers at the front end to ensure smooth conversions from lead stage to disbursement and also repayment, recovery and retention.
- Monitoring On time Digital repayments made by customers assigned in Portfolio
- SIZE OF THE ROLE
FINANCIAL SIZE
NON-FINANCIAL SIZE
- Shall be expected to manage a portfolio of Rs.4 Cr. Progressively.
- Managing a customer base UPTO 300 customers progressively.
- Managing Digital Lending product across the catchment area as well TPP related to core Product
- KEY DUTIES &
RESPONSIBILITIES OF THE ROLE
Business/ Financials.
- Candidate should be able to deliver targeted business figures from the location of the branch. He/She is also responsible for building a quality portfolio without compromising on quality levels.
- Achieve the set targets on Unsecured Digital loans in terms of open market acquisition and subsequent potential repeat customer conversion.
- Coordinate with Product &
- Marketing department to carry out marketing drives at his/her assigned and catchment areas for unsecured loans
- Maintain database of the prospects, meet select prospects and manage the relationship thereafter.
- Achieve the set target of prospects in a day/week/month to generate leads and references for Our Product Loans.
Should be ready to travel extensively across the catchment area (<30 km) of the location to build the base of business.
- Work with other shareholders to focus on cross selling unsecured loans to open market liability customers. (Cross sell other products of Ujjivan)
- Share customer insights/product related feedback with respective team.
- Provide inputs pertaining to revision of credit policies to the respective team on the basis of geography specific considerations
Customer (Both Internal &
- External)
- Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish qualified relationship with them, with a long-term perspective
- Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization
Internal Process
- Carry out the pre and post-loan activities related to Unsecured Loans, Perform simple financial analysis, facilitate the customers loan applications to the independent sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality
- Visit the customer's business and home to do the assessment/evaluation, following the Product Policy procedures.
- Coordinate with the credit department in case of identifying discrepancies or problems in customer's information, reports, etc. through Area Business Manager-MB.
Innovation &
- Learning-
- Maintain up to date knowledge of Unsecured Loan product as well as a working knowledge of other products offered with our relevant Product.
- Inform the supervisor/reporting manager about the demand in his/her assigned branch catchment as well as on the competition on a regular basis.
- Ensure adherence to training mandates/ mandatory training programs for self.
- Should be updated with the latest trends in civic and local laws of the location of operation.
- Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines
- MINIMUM REQUIREMENTS OF KNOWLEDGE &
SKILLS
Educational
Qualifications
- Graduate, preferably in commerce and related streams
Experience Range (Years and Core Experience Type)
- Preferred experience of 2-4 years in banking, asset products sales of Unsecured Loan in an NBFC/ Bank/Fintech Company.
- Mixed experience of Sales &
- Credit is acceptable, but should be predominantly in sales
Certifications
- Relevant certifications shall be an added advantage.
Functional Skills
- Knowledge of Unsecured loans/ Mortgage Loans
- Sales and marketing skills – retail financial products.
- Communication Skills - fluent in the local language & can read-write basic English
- Equipped enough to read and understand the legal Certificates.