Ujjivan Financial Services
Website:
ujjivansfb.in
Job details:
JOB TITLE : Cluster Manager – Micro Mortgages
GRADE : SM
DEPARTMENT : Micro Mortgages
LOCATION : BRANCH
SUB-DEPARTMENT : TYPE OF POSITION : Full-time
REPORTS TO : Regional Sales Manager/ Area Manager - Micro Mortgages
REPORTING INTO
Relationship Manager,
Portfolio Manager,
Customer Service Officer
- Drives Mortgage business in their respective Cluster. Is responsible for overall growth and success of the MLAP business & cross sell TPP & Liability Products
- Build efficient team of Relationship Officers in the Cluster assigned
- SIZE OF THE ROLE
FINANCIAL SIZE
NON-FINANCIAL SIZE
- Cost of hiring and placing new Relationship Officers 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.15 Cr. Progressively
- Managing a single product across the branches of operations
- Managing a team size of 5 employees progressively
- Managing assets like marketing collaterals, Stationary, Dockets and Systems
- Managing hiring and placement of Relationship Officers in required Branches
- KEY DUTIES & RESPONSIBILITIES OF THE ROLE
Candidate should be able to deliver budgeted business figures from the Cluster of control through placing adequate manpower across active branches. He/She is also responsible for building a quality portfolio without compromising on quantum of business
Business/ Financials
- Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required
- Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
- Efficient staffing by timely recruitment & training
- Supports Relationship Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
- Should be ready to travel extensively across the cluster of control for business requirements
Customer (Both Internal & External)
- Ensure that customers are aware of the Product and services properly
- Ensure that customers are explained about the Terms & Conditions of Product
- Focus on lower TAT as per laid down standards.
Internal Process
- Monitor health of portfolio
- Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.
- Ensure, supervise the correct implementation of the credit procedures including all the respective tools
Innovation & Learning
- Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
- Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
- Expected to be updated with all new improvement & innovations happening in the market and competitors
- Should be updated with the latest trends in civic and local laws of the territory of operation
- MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
Educational
Qualifications
- Graduate in Commerce or relevant subjects
- An MBA or equivalent is an added advantage
Experience(Years and Core Experience Type)
- 5 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 MLAP at Cluster level.
- Ability to engage with customers, Plan & execute Marketing and Sales promotion for MLAP
- 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 simple, 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 : PRESHAANTH R
DATE : 09-12-2023
REVIEWED BY : PRADEEP B
DATE : 12-12-2023
LAST UPDATED BY : TM Team
DATE : 15-01-2024
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