• POSITION DESCRIPTION JOB TITLE : Asset Desk Manager GRADE : M DEPARTMENT : Branch Banking

LOCATION:
Branch SUB-DEPARTMENT : Branch Banking TYPE OF POSITION : Full-time REPORTS TO : Branch Manager REPORTING INTO NA
• ROLE PURPOSE & OBJECTIVE The Asset Desk Manager (ADM) plays a pivotal role in driving the branch’s asset business growth by acting as the single point of contact for all asset-related products such as Home Loans, Micro LAP, MSME Loans, Agri Loans, and Vehicle Loans. The ADM is responsible for lead generation, customer engagement, process coordination, and service delivery, ensuring a seamless experience from lead sourcing to loan disbursement. The objective of this role is to maximize branch-level asset penetration, strengthen cross-sell opportunities, and enhance the customer journey across asset products.
• SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE
• Monthly Asset disbursement average target of 50 lacs (Actual target depends on the branch location and potential)
• Portfolio sourced and managed across multiple asset products
• Number of Asset products handled: 4-6 different products
• Monthly volume of at least 50 leads per months to achieve the disbursement target
• Monthly 20-25 credit files to be generated and submitted for underwriting
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business
• Drive acquisition of Asset customers (NTB and ETB) to achieve the monthly disbursement target across multiple asset products.
• Generate leads by leveraging existing branch relationships and sourcing new customers
• Ensure timely follow-up, documentation and lead conversion in coordination with processing teams.
• Support cross-sell initiatives and branch-level marketing activities in coordination with product and marketing teams .
• Assess market potential and provide feedback on product features, competitor offerings,



and customer needs.
• Track portfolio performance, renewals, and retention metrics; support measures to minimize attrition and improve quality of sourcing.
• Provide inputs for sales planning, budgeting, and branch-level asset strategy. Customer (Both Internal & External)
• Serve as the first point of contact for customers seeking information on loan products.
• Provide end-to-end assistance throughout the loan application process.
• Maintain strong relationships to improve customer experience, retention, and referrals.
• Address customer queries and escalate issues in coordination with branch, operations, and credit teams.
• Educate branch staff and customers on available asset products, policies, and features. Internal Process
• Coordinate with branch teams, central credit, and operations to ensure timely file processing, documentation, underwriting, and disbursement.
• Ensure compliance with internal policies, regulatory guidelines, and defined SLAs.
• Track and report daily lead status, application pipeline, conversion ratios, and disbursement figures; identify trends and improvement areas.
• Maintain visibility of asset performance metrics and support the branch manager in reviewing asset business performance.
• Ensure disciplined follow-up, process adherence, and quality of credit files submitted. Innovation & Learning
• Coach branch staff on asset product knowledge and lead generation techniques to strengthen branch-level sourcing.




• Resolve escalations from branch teams within defined timelines and support continuous process improvement.
• Ensure completion of all mandatory training, goal setting, mid-year review, and annual appraisal requirements.
• Share insights from customer interactions and branch experience to support product enhancement and process refinement.
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications
• Graduate in Commerce/Business/Economics or related subjects with positive analytical and sales skills to be considered. Experience
• 2-4 years of experience in Asset Verticals Industry or within Ujjivan Certifications
• NA Functional Skills
• Knowledge of Asset Verticals and OD products
• Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage
• Basic knowledge of accounting and finance administration desirable
• Is fluent in the local languages and has a working knowledge of English
• Knowledge of KYC/AML norms and other guidelines Behavioral Skills
• Cross selling skills
• Willingness to travel & relocation as per business requirements and career opportunities
• Interpersonal skills
• Ability to interface (orally and in writing) with all levels of associates and customers
• Ability to manage channel partners and other stakeholders
• Training skills Competencies Required
• Building Relationship
• Driving Change
• Facilitate Marketing and branding
• Collaboration
• KEY INTERACTIONS INTERNAL EXTERNAL
• Asset Verticals Business Team
• Branch Operations Team
• Asset Verticals Product Team
• State HR
• Branch Team
• Customers
• Channel Partners PREPARED BY: ATISH YADAV DATE: 14-10-2025 Date REVIEWED BY: LAST UPDATED BY: TM Team DATE: 10-12-2025 This is Public document.

📌 Assistant Acquisition Manager (Jamnagar)
🏢 Ujjivan Small Finance Bank
📍 Jamnagar