Individual Relationship Officer Mortgage (M IRO)
Individual Relationship Officer Mortgage
Rural/ Sales
Job Title
Function / Department
Department Head
Reporting Manager
Rural Business Head
Cluster Mortgage Manager or Area Mortgage Manager
Purpose of the Job:
Contribute to the growth of mortgage business by targeting with higher ticket size loan (10 to 25 Lakhs) with maintaining
quality portfolio
Describe the KPIs against each perspective
Perspective
Key Performance Indicators
Business and Financial Management
•
•
Achievement in Volume against the target on monthly basis
Ensuring healthy portfolio quality by ensuring timely repayment,
collections.
•
•
•
Ensuring delinquency within the threshold level
Insurance Attachment as per policy
Focus on Enterprises/Small Businesses (Non Salaried, Non Direct
Agri)
Customer Focus
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Customer engagement for document completion
Attending customer queries & resolution in TAT
Actively co-ordinate with the Risk, Ops, Legal and Valuers for the
closure within time frame.
People / Team
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•
Co-ordinate with the concerned teams to ensure closure on
disbursal.
Adherence to Company process on sourcing, disbursement,
collection
Process / Quality Improvement
SCOPE & DISCRETION (Span of control)
•
NA
Total no. of employees supervised with details
Grade
Nos.
O1 to 02
M1 to M3
SM1 to SM3
NA
NA
NA
Total
:
Self-deliverables
The most important tasks performed on an individual basis without involving subordinates are
Sl No
Tasks Performed
Sourcing Customers:
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•
Responsible for sourcing target customers (Mortgage)
in the branch catchment
area.
Cold calling, generation of leads, attending to prospects and logging in the file with
necessary documents like KYC etc
•
•
Market penetration through direct/indirect marketing activities
Empanelling DSAs, generating business through DSA network with relationship
management as per Sourcing Policy of the company released time to time.
Disbursement:
•
Coordinating with Risk Team for PD, facilitating additional documents/information if
any.
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Ability to present and discuss the case with sanction authority
Necessary inputs to the appraisal as and when required
Documentation, coordinating with customers for mortgage and Ops for timely
disbursement activities
•
Ensuring post disbursement compliance as per stipulated time.
Collection:
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•
Ensuring timely repayment from the customers
Ensuring portfolio quality by following up with delinquent customers
Expertise required/ Domain Knowledge:
•
•
•
•
•
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Excellent local network and local market knowledge
Excellent ability to speak, read and write in local language
Self driven with go and getter attitude
Positive understanding of enterprises-business cycle, working capital etc
Good interpersonal skills
DSA handling experience is an advantage
Individual should own a bike.
No. of years of relevant experience:
Candidate should have 3-5 years of experience in Mortgage loans (high ticket size).
•
Any specific specialization/education:
•
Minimum Graduation is required. However, 12th pass candidate can be considered provided he/she possesses
adequate and relevant work experience