• POSITION DESCRIPTION JOB TITLE : Branch Sales Manager-Housing Loan GRADE : M DEPARTMENT : Housing Loans

LOCATION:
BRANCH SUB-DEPARTMENT : TYPE OF POSITION : Full-time REPORTS TO : Area Manager-Housing REPORTING INTO
• Loan Officer-Housing Loans
• Relationship Manager-Housing Loans.
• ROLE PURPOSE & OBJECTIVE
• Interact with the customers, look out for the requirements of the customers who wish to take a housing loan, creating the demand for the same and fulfilling the demand.
• Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering advice
• Negotiating with customers, 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), Marketing activities, relationship management with stakeholders as required
• SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE
• Cost of hiring and placing new Loan Officers/Relationship Managers 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.5 Cr. Progressively.
• Managing a Housing vertical’s products across the location of operations
• Managing assets like marketing collaterals, Stationary, Dockets and Systems
• Managing the team of LO/RMs reporting into this role.
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials




• Aligning with bank Branches & other Ujjivan teams (Micro-Banking & others) 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
• 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
• Manage and nurture the team reporting into this role
• 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
• Work towards grooming self for next level of Area manager with help of supervisors.
• Completion of goal setting and appraisal on time
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications
• Graduate with 2 Year experience in Housing industry




• Post Graduate with 2-year experience in Housing industry Experience (Years and Core Experience Type)
• 3-6 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 straightforward, clear 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: Shivkumar V Chelluboyina DATE: 15-01-2025 REVIEWED BY: Pradeep B DATE: 15-01-2025 LAST UPDATED BY: TM Team DATE: 13-03-2025

📌 Branch Sales Manager-Housing Loans (Pune)
🏢 Ujjivan Small Finance Bank
📍 Pune