- Managing End-to-End Sales Lifecycle of tapping prospects through marketing activities, understanding their requirement and rendering advice.
- Negotiating commercials, timely disbursement of loans, and providing other bank products.
- Implementing tactics to enhance market penetration through bank branches, connectors, customer referrals and marketing activities.
- To set up distribution through builder Empanelment (APF).
- Applicable to all loan officers with 12 months of service.
Size of the Role Financial Size
- Cost of hiring and placing recent 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 Cr. Progressively
Non-Financial Size
- 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 and Responsibilities Business / Financials
- Aligning with bank Branches Micro banking team for increasing Traffic for HL
- To set up distribution via connector enrollment and engagement through builder Empanelment (APF).
- Targets on number value of files for Log-in, approval, disbursement of HL
- 65% of target of HL 15% from FD, 15% of S/A and 10% of standalone Insurance
- Collection of Bounced cases for no zero default track of all customers sourced.
- FTR on all files
Customer (Internal External)
- Attend and address customer queries and grievances within the defined TAT.
- Managing internal and external customer relationship to ensure customer satisfaction.
- 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
- FTR on all work/processes/ files
- Well spread file flow of login and disbursal over a month.
- Documentation and preparation of process manuals
Innovation Learning
- Mentor loan officer too graduate to next level.
- Work towards grooming self for next level of cluster manager with help of Cluster Manager Area Manager.
- Completion of goal setting and appraisal on time
Minimum Requirements of Knowledge Skills Educational Qualifications
- Graduate with 1 -2 Year experience in Ujjivan in Housing Loans
- Post Graduate with 6-12 months experience in Housing loans