1. ROLEPURPOSE & OBJECTIVE

- ManagingEnd to End sales life cycle of tapping prospects throughmarketing activities, understanding their requirement andrendering advice
- Negotiatingcommercials, timely disbursement of loan and providing other BankProducts.
- Implementingtactics to enhance market penetration through Bank branches,Connectors, customer referrals and marketing activities.
- Toset up distribution through builder Empanelment (APF),
- Applicableto all loan officers with 12 Months of service

1. SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

- Costof hiring and placing new Relationship Officers at Branches
- OperationalCost of managing the Conveyance and Claims of RelationshipOfficers
- Costof procurement marketing collaterals, sales aids
- Shallbe expected to manage a portfolio of Rs.15 Cr. Progressively

- Managinga single product across the branches of operations
- Managinga team size of 5 employees progressively
- Managingassets like marketing collaterals, Stationary, Dockets andSystems
- Managinghiring and placement of Relationship Officers in requiredBranches

1. KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Candidateshould be able to deliver budgeted business figures from theCluster of control through placing adequate manpower across activebranches. He/She is also responsible for building a qualityportfolio without compromising on quantum of business

Business/Financials

- Aligningwith bank Branches & Micro banking team for increasingTraffic for HL
- Toset up distribution via connector enrollment and engagementthrough builder Empanelment (APF).
- Targetson number & value of files for Log-in, approval,



disbursementof HL
- 65%of target of HL 15% from FD, 15% of S/A and 10% of standaloneInsurance
- Collectionof Bounced cases for no zero default track of all customerssourced.
- FTRon all files

Customer (Both Internal & External)

- Attendand address customer queries and grievances within the definedTAT.
- Managinginternal and external customer relationship to ensure customersatisfaction.
- Ensurecustomers are educated about all products/services offered byUjjivan.
- Ensurelower customer attrition by providing different products as percustomer requirement.
- Focuson lower TAT as per laid down standards.

Internal Process

- FTRon all work/processes/ files
- Wellspread file flow of log-in and disbursal over a month.
- Documentationand preparation of process manuals

Innovation& Learning

- Mentorloan officer too graduate to next level.
- Worktowards grooming self for next level of cluster manager with helpof Cluster Manager & Area Manager.
- Completionof goal setting and appraisal on time

1. MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

- Graduatewith 1 -2 Year experience in Ujjivan in Housing Loans
- PostGraduate with 6-12 months experience in Housing loans





Experience (Yearsand Core Experience Type)

- 5years in sales and documentation of loans of which at least 2years in Housing Loans, home loans or loan against property in anNBFC/ Bank/HFC. Mixed experience of Sales & Credit isacceptable, but should be predominantly in sales

Certifications

- Relevantcertifications shall be an added advantage

Functional Skills

- Abilityto create teams and drive sales performance. Will be required totake complete ownership of Housing business at Cluster level.
- Abilityto engage with customers, Plan & execute Marketing and Salespromotion
- Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English (Read-speak-write) is required. Has goodverbal fluency and uses simple, explicit and purposeful language.
- AdequateComputer knowledge

Behavioral Skills

- SoundProduct knowledge
- Shouldpossess Training Skills
- Willingnessto travel & relocation as per business requirements andcareer opportunities
- Managingcustomer relations
- Performanceoriented

Competencies

- GoodComputer Knowledge
- Competentto handle MIS systems and Lending Software

1. KEYINTERACTIONS

INTERNAL

EXTERNAL

- Productand Marketing Team
- RegionalOperations, Credit
- Audit,Vigilance and FCU team
- AreaTechnical Manager

- LegalVendors
- Externalmarketing agencies
- CompetitorCounterparts

Location - Channapatna,Rajanagaram,Haveri,Dindigul,Ambasamudram,Tenkasi,Nagapattinam, Hospet,Sindhnur,Thrissur,Gangavathi,Gangavati,Kovilpatti,Thoothukudi,Mysuru, Krishnagiri,Arcot,Aruppukkottai

📌 Relationship Manager - Micro Mortgages (Haveri)
🏢 Ujjivan Small Finance Bank
📍 Haveri