• POSITION DESCRIPTION JOB TITLE : Relationship Manager-Working Capital GRADE : SM DEPARTMENT : MSME

LOCATION:
RO SUB-DEPARTMENT : TYPE OF POSITION : Permanent REPORTS TO : Area Manager
- Working Capital REPORTING INTO NA
• ROLE PURPOSE & OBJECTIVE
• MSME vertical is a growing business for Ujjivan. The Relationship Manager will be an significant position that will drive this business for the particular location.
• Focused customer acquisition of Working Capital
- Fund Based & Non Fund Based customers for Facility amount up to Rs. 10 Cr and drive business.
• Self-sourcing of potential customer. Conversion of Leads from Channel partners (DSA/Connector) and Ujjivan Staff referrals.
• Focus on Relationship building with clients through cross sell of CA, TD, Insurance, Salary accounts, BNB and drive transactions through Ujjivan
• Coordinated with team members for the disbursement and work effectively for achieving assigned business targets
• Portfolio management like renewal, interest servicing etc.
• SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE
• Monthly Business volume as per the business target. Productivity of around 1.5 – 2 Cr Monthly Fresh Limit set-up
• Timely Interest serving, Regular Churning to prevent Delinquency
• Timely Renewal of existing customers, managing 20 – 40 customers
• Coordination with Credit Manager for case approval and CAD and Operations for case disbursement.
• Maintains Daily sales report and sharing with supervisor.
• Maintains DSA tracker for pay-out processing




• KEY DUTIES & RESPONSIBILITIES OF THE ROLE
• Business/ Financials
• Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for branches under his/her responsibility
• Implement, supervise and control effectiveness of commercial strategy to reach the productivity and growth targets established.
• 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
• Monitor health of portfolio
• Ensure, supervise the correct implementation of the credit procedures including all the respective tools
• Discuss strategies and changes in terms of products, capacity building, procedures etc.
• 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
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications




• MBA / CA with 2 Year experience. In case of other Graduate, relevant 4 year experience Experience
• 2
- 4 years in sales and documentation of working capital business. Mixed experience of Sales + Credit is acceptable, but should be predominantly in sales Certifications
• NA Functional Skills
• Ability to drive sales performance. Will be required to manage customers of MSME loan at Branch level.
• Ability to engage with customers, colleagues & agencies providing valuation and legal opinion. Plan & execute Marketing and Sales promotion for MSME loans
• Awareness about different Liabilities, Insurance and loan products.
• Ability to speak and read regional language(s)
- is desirable. Ability to communicate in English Behavioral Skills
• Product knowledge
• Training Skills
• Willingness to travel & relocation as per business requirements and career opportunities
• Managing customer relations
• Performance oriented Competencies Required
• 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
• Technical Manager
• Legal Vendors
• External marketing agencies
• Competitor Counterparts PREPARED BY : Harshul Khandelwal DATE : 15 th May 2023 REVIEWED BY : Vicky Jain DATE : 15 th May 2023 LAST UPDATED BY : TM Team DATE : 8 th August 2023

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