- 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 straightforward, 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: 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 (Bengaluru)
🏢 Ujjivan Financial Services
📍 Bengaluru