JOB TITLE : Deputy Relationship Manager-Micro Mortgages GRADE : DM-II
DEPARTMENT : Micro Mortgages
LOCATION : BRANCH
SUB-DEPARTMENT : TYPE OF POSITION : Full-time
REPORTS TO : Cluster Manager- Micro Mortgages
REPORTING INTO
- ROLE PURPOSE &
- OBJECTIVE
- Lead Generation –
- Conduct regular marketing and sales activities to generate leads from the identified markets
- 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.
- SIZE OF THE ROLE
FINANCIAL SIZE NON-FINANCIAL SIZE
- Shall be expected to manage a portfolio of Rs.5 Cr. Progressively
- Managing a single product across the branch catchment area
- Managing a customer base of 100 customers progressively
- 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 MLAP Loans in terms of open market acquisition and existing potential customer conversion
- Maintain database of the prospects, meet select prospects and manage the relationship thereafter
- Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans
- Should be ready to travel extensively across the catchment area of the location to build the base of business
Customer (Both Internal &
- External)
- Interact with customers in a courteous and qualified manner; provide prompt, efficient and accurate services and establish professional 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 MLAP Loans, perform simple financial analysis, present the loan applications to the 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 Cluster Manager –
- MLAP
Innovation &
- Learning
- Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch
- Inform Cluster Manager –
- MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis
- Ensure adherence to training man-days/ mandatory training programs for self
- Should be updated with the latest trends in civic and local laws of the location of operation.
- MINIMUM REQUIREMENTS OF KNOWLEDGE &
SKILLS
Educational
Qualifications
- Graduate in Commerce or relevant subjects
Experience(Years and Core Experience Type)
- 2 years in sales and documentation of loans of which at least 1 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
- Knowledge of Secured 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 papers
Behavioral Skills
- Sound Product knowledge
- Willingness to travel across the branches and catchment to expand the business
- Managing customer relations
- Performance oriented
Competencies
- Good Computer Knowledge
- KEY INTERACTIONS