I. POSITION DESCRIPTION

JOB TITLE

Cluster Manager-DSA

GRADE

CM

DEPARTMENT

Housing

LOCATION

Across Locations list provided

SUB-DEPARTMENT

Housing - Business

TYPE OF POSITION

Full-time

REPORTS TO

Regional Sales Manager Housing/Regional Business Manager - Housing

REPORTING INTO

NA

II. ROLE PURPOSE & OBJECTIVE

- Housing Loan is a growing business for Ujjivan. The Cluster Manager- DSA -Housing Loan is an important position that will drive this business in the respective cluster. The position is responsible for overall growth and success of the business in the cluster.
- Owns the growth of the Housing Loan portfolio in the assigned cluster in terms of business volume and client acquisition.
- Responsible for portfolio quality, risk assessment and supporting recovery initiatives for the assigned portfolio.
- Coordinate with Branch, Credit, Product, Legal and Technical teams to support business expansion, DSA sourcing, market activation and onboarding of required legal and technical evaluators.
- Work closely with product and marketing team to drive suitable branding and marketing activities in his/her respective cluster.

III. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

- 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 assets like marketing collaterals, Stationary, Dockets and Systems
- DSA Partner management (end-end)

IV. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

- Monitor daily, weekly and monthly achievement of assigned business targets and take timely corrective actions wherever required.
- Engaging & empaneling with various DSA’s in that particular location for increasing Traffic for HL.
- Expand business by identifying,



empanelling and activating DSAs across the assigned geography.
- Monitor portfolio quality across delinquency buckets and identify emerging risks for timely action.
- Empanelment & handling of DSA’s with focus on File login.
- Implement and execute the commercial strategy to achieve assigned productivity and business growth targets.
- Ensure adherence to approved credit processes, policies and systems.

Customer (Both Internal & External)

- 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

- 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.
- Monitor health of portfolio
- Sanctioning of loans according to the policy in place.
- Ensure adherence to approved credit processes, policies and systems.
- Provide feedback on products, processes and procedures to improve business effectiveness.

Innovation & Learning

- Ensure adherence to training man-days/ mandatory training programs for self
- Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self
- Monitor performance against defined goals/metrics and take corrective action wherever required; continuously improve individual performance and portfolio quality.





V. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational Qualifications

- Graduate in Commerce or relevant subjects
- An MBA or equivalent is an added advantage

Experience(Years and Core Experience Type)
- 5 years in sales and documentation of loans of which at least 2 years in Housing Loans handling DSA’s, 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 independently drive sales performance and take complete ownership of Housing business in the assigned cluster.
- Ability to build strong relationships with DSAs and customers and independently plan and execute marketing and sales initiatives.
- Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has positive verbal fluency and uses simple, clear and purposeful language.
- Adequate Computer knowledge

Behavioral Skills
- Sound Product knowledge
- Strong stakeholder management, relationship building and coordination 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

VI. 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: Atish Yadav DATE : 05-01-2026

REVIEWED BY : Abhishek Banerjee

DATE : 06-01-2026

LAST UPDATED BY

DATE

📌 Cluster Manager -DSA-Housing Loans(Individual Role) (Bengaluru)
🏢 Ujjivan Small Finance Bank
📍 Bengaluru