Job Description

1. POSITIONDESCRIPTION

Job Title

ClusterManager Micro Mortgages

Grade

SM

Department

MicroMortgages

Location

BRANCH

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

1. Drives Mortgage business in their respective Cluster. Is responsible for overall growth and success of the MLAP business cross sell TPP Liability Products
2. Build efficient team of Relationship Officers in the Cluster assigned

Size of the Role 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.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

Candidates 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

1. 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
2. Supports Loan Officers in his/her area in their duties of client visits, risk assessment and recovery strategies
3.



Efficient staffing by timely recruitment training
4. Supports Relationship Officers in his/her area in their duties of client visits, risk assessment and recovery strategies
5. Should be ready to travel extensively across the cluster of control for business requirements

Customer (Both Internal External)
1. Ensure that customers are aware of the Product and services properly
2. Ensure that customers are explained about the Terms Conditions of Product
3. Focus on lower TAT as per laid down standards

Internal Process
1. Monitor health of portfolio
2. 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
3. Ensure, supervise the correct implementation of the credit procedures including all the respective tools

InnovationLearning
1. Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
2. Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
3. Expected to be updated with all new improvement innovations happening in the market and competitors
4. 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
- 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

Location - Krishnagiri,Chitradurga,Coimbatore,Ramanathapuram,Sivakasi,Nagercoil,Sathyamangalam,Erode,Rajapalayam,Kumbakonam,Kallakkurichi

📌 Cluster Manager-Micro Mortgages_Tamilnadu (Chitradurga)
🏢 Ujjivan Small Finance Bank
📍 Chitradurga