• POSITION DESCRIPTION JOB TITLE : Relationship Manager-Micro Mortgages GRADE : M DEPARTMENT : Micro Mortgages

LOCATION:
BRANCH SUB-DEPARTMENT : TYPE OF POSITION : Full-time REPORTS TO : Cluster Manager-Micro Mortgages REPORTING INTO Relationship Officer-Micro Mortgages
• ROLE PURPOSE & OBJECTIVE
• Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering advice
• Negotiating commercials, timely disbursement of loan 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 NON-FINANCIAL SIZE
• Cost of hiring and placing new 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 Rs.15 Cr. Progressively
• 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 & RESPONSIBILITIES OF THE ROLE 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 (Both 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 log-in 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 Experience(Years and Core Experience Type)
• 5 years in sales and documentation of loans of which at least 2 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
• Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing business at Cluster level.
• Ability to engage with customers, Plan & execute Marketing and Sales promotion
• Ability to speak and read regional language(s)
- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, transparent and purposeful language.
• Adequate Computer knowledge Behavioral Skills
• Sound Product knowledge
• Should possess Training 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
• 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 : Preshaanth R DATE : 12-12-2023 REVIEWED BY : Pradeep B DATE : 13-12-2023 LAST UPDATED BY : TM Team DATE : 15-01-2024 This is Public document.

📌 Relationship Manager (Morbi)
🏢 Ujjivan Small Finance Bank
📍 Morbi