Direct Sales Agent (DSA) / Direct Marketing Associate (DMA) Sales Manager - Mortgages

DSA MANAGER - SULB KAR

Job Title – DSA/DMA Sales Manager, Mortgages (SULB)

Grade – C3, C4

Location – PAN India

Reports to – Branch Business Manager, Mortgages (SULB)

Span Of Control – NA

Job Purpose :

To scout & empanel quality Direct Marketing Associates / Direct Sales Agents who are operating in the Mortgages space (Affordable & Prime)

To acquire customers through DMA/DSAs empanelled with MFL., by meeting them in person, uncovering latent needs and understanding the obvious wants, to support in the processing of their loan applications, and end to end support from sourcing till Collections of the customer loan account (for initial period of business acquisition up to 18 MOB).

Key Job Responsibilities 

• 1.       Empanelment of  DSA/DMAs who are doing good business in the Mortgages & Business Loans space, with an eye on the Portfolio Quality
• 2.       Month on month activation in terms of disbursements of the DMA/DSAs empanelled with us.
• 3.       To Represent the Organisation to DMA/Customer and also the customer/DMA to the Organisation – like a Bridge connecting both ends.
• 4.       To Actively weed out inactive / wrongly empanelled DMAs by doing constant market study, and self experience in terms of Collections / PDD support.
• 5.       To Develop Excellent Rapport with Channel partners for REPEAT Business.
• 6.       To work along DMA/DSAs to give doorstep service to customers at their resi/office.
• To Learn the Process & Policies of the Mortgage, and train DMA/DSAs to source files to suit as per the laid down policy
• 8.       To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager 
• To Support the Customers in terms of end -to- end loan processing.
• To be responsible for the Soft Bucket collections, Early mortality and 18 MOB Fresh Sourcing.
• To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.
• To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working.
• Retain existing live loan customers.

Knowledge, Skills & Attributes

• Result Orientation
• Customer Service & Retention Focus
• Strong presentation skills
• Relationship Building & Stake holder Management
• Process Knowledge/ Orientation
• Cross Selling / Upselling Skills
• Business Development
• Communication Skills – Proficiency in local language and English

Culture at Muthoot Pappachan Group

We do everything to gain and maintain the “Trust” of all the stakeholders and don’t do anything to lose their “Trust”. Trust is the overarching “Core Value”, one which, our other values have been built. 

Our Core Values 

Integrity

• Asking oneself before saying, doing or deciding on anything, whether it’s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value

Collaboration

• Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks

Excellence

• Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don’t get settled for less at any cost – display the go getter attitude. Encourage people to stretch in order to achieve excellence

Building on the bedrock of Core Values, below are the other key constituents of the “Culture Code”

• Honesty
• Humility 
• Empathy 
• Empowerment
• Agility
• Ownership
• Fresh Thinking & Continuous Renewal
• Inclusion
• Work-Life Balance

Role Requirements

Educational Qualification – Graduate 

Experience – At least 2 years’ experience in working in Retail Assets especially Home Loans and Loan Against Property business.   Exposure to Affordable segment preferred.