Relationship Manager - Housing Loan

Deputy Relationship Manager-Housing Loans - Job Description

Business/ Financials

Achieve the set targets on HL-Secured Loans in terms of open market acquisition and

existing customer conversion

Maintain database of prospects, meet select prospects and manage the relationship

thereafter

Follow up on leads provided by call center / liabilities team within defined TAT

Cross sell other products of Ujjivan and pass quality leads to respective officers/staff

Share customer insights/product related feedback with the Cluster Manager – HL

Coordinate with Products & Marketing department to carry out marketing drives that

are assigned and catchment areas for HL secured loans.

Customer

Interact with customers in a courteous and professional manner; provide prompt,

efficient and accurate services and establish professional relationship with them, with a

long-term perspective

Conduct the appraisal process of potential customers in a courteous manner without

compromising quality

Guarantee confidential treatment of all the information gathered from customers.

Internal Process

Carry out the pre and post-loan activities related to Unsecured loans, perform simple

financial analysis, present the loan applications to the sanctioning committee by

adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio

quality

Visit the customer’s business and home to do the assessment/evaluation, following the

“Operations Manual” procedures. Analyze and evaluate the loan applications, to

determine the situation of the business, establish the risks, determine the capacity of

repayment and the adequate loan amount for the customer’s needs, and also evaluate

the family situation and stability

Visit the guarantor/collateral contact, explain about his/her role during the loan term

Cooperate with the credit department in case of identifying discrepancies or problems

in customer’s information, reports, etc. through CRM – Microfinance.

Inform the customer about the Credit Committee decision

Coordinate with Liabilities team if applicable, to ensure bank accounts are

opened/activated to disburse the loan amount and necessary standing instructions to

repay monthly disbursements

Perform loan utilization check and follow up on the disbursed loans, especially of the

ones not paying on time

In case of arrears, visits customers and guarantors for the loan recovery and coordinate

with collections officer to update the status periodically

Learning & Innovation

Maintain up to date knowledge of Unsecured loans as well as a working knowledge of

other products offered in the branch

Inform Branch Head about the demand in his/her assigned area as well as on the

competition on a regular basis in consultation with CRM – Microfinance.

Ensure adherence to training man-days/ mandatory training programs for self

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Deputy Relationship Manager-Housing Loans - Job Description

Ensure goal setting, mid-year review and performance appraisal processes are

completed within specified timelines.

V. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate, preferably in commerce and related streams

Experience Preferred experience of 2-4 years in banking, asset products sales or

collection

Certifications NA

Functional

Skills

Knowledge of Banking sector

Knowledge on individual lending - Secured loans/asset products and

third-party products

Basic Computer knowledge (MS Office, Outlook) / Ease of technology

usage (tablet)

Sales and marketing skills – across multiple products

KYC norms/guidelines for secured loans

Credit Assessment/Appraisal

Communication Skills - fluent in the local language & English

Behavioral

Skills

Multiple products selling skills

Time management

Customer relations management

Achievement/performance oriented

Possesses good interpersonal skills

Documentation skills

Willingness to travel & relocation as per business requirements and

career opportunities

Competencies

Required

Building Relationship

Driving Change

Planning & Organizing

Collaboration

VI. KEY INTERACTIONS

INTERNAL EXTERNAL

Housing Products team

Regional Products & Marketing

departments

Regional operations Manager

Collateral contacts of customers