- Loan Officer-Housing Loans
- Relationship Manager-Housing Loans.
- ROLE PURPOSE & OBJECTIVE
- Interact with the customers, look out for the requirements of the customers who wish to take a housing loan, creating the demand for the same and fulfilling the demand.
- Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering advice
- Negotiating with customers, 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), Marketing activities, relationship management with stakeholders as required
- SIZE OF THE ROLE
FINANCIAL SIZE NON-FINANCIAL SIZE
- Cost of hiring and placing new Loan Officers/Relationship Managers 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 Housing vertical’s products across the location of operations
- Managing assets like marketing collaterals, Stationary, Dockets and Systems
- Managing the team of LO/RMs reporting into this role.
- KEY DUTIES & RESPONSIBILITIES OF THE ROLE
Business/ Financials
- Aligning with bank Branches & other Ujjivan teams (Micro-Banking & others) 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
- 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
- Manage and nurture the team reporting into this role
- 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 Area manager with help of supervisors.
- Completion of goal setting and appraisal on time
- MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
Educational
Qualifications
- Graduate with 2 Year experience in Housing industry
- Post Graduate with 2-year experience in Housing industry
Experience (Years and Core Experience Type)
- 3-6 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: Shivkumar V Chelluboyina DATE: 15-01-2025
REVIEWED BY: Pradeep B
DATE: 15-01-2025
LAST UPDATED BY: TM Team
DATE: 13-03-2025
📌 Branch Sales Manager-Housing Loans (Pune)
🏢 Ujjivan Small Finance Bank
📍 Pune
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