Piramal Capital & Housing Finance Limited
Website:
piramalfinance.com
Job details:
Piramal is an equal opportunity employer. Qualified applicants will be considered without regard to age, gender, marital status, sexual orientation, gender identity or expression, disability, or religion.
Designation : Relationship Manager/ Senior Relationship Manager/ Branch Sales Manager
Department : Housing Finance
Purpose of Job: Piramal Finance Private Limited is hiring Relationship Manager and Senior Relationship Manager for its Retail Business. The incumbent would be primarily responsible for achieving the sales targets for Home Loan along with the related cross-sell targets.
Essential Qualifications: Graduate from a reputed college
Essential Experience:
- 1 to 5 years experience in HFC or Mortgage Industry in the affordable /mass affluent market for RM/SRM role.
- 4 to 6 years of experience in HFC or Mortgage Industry with minimum 1 year of team handling experience in affordable segment for BSM role.
- Ability to liaison & follow-up with customers, channels and internal stakeholders.
- Good written & verbal communication skills
- Ability to work under tight deadlines
Key Roles/Responsibilities:
- Responsible for empanelment of channel and acquiring the customers for Home Loan from open market and developer relationships.
- Responsible for ensuring the adherence of KYC documents as per the guidelines by the company.
- Responsible for achieving the cross-sell targets from the Home Loan customers like insurance or any other appropriate product which may come up from time to time.
- Responsible for introduction of the Piramal brand and managing the sales and business development activities for Home Loans up to 75 lakhs with focus on affordable in the assigned catchment area.
- The incumbent is required to have a good knowledge and understanding of the local affordable and mass affluent markets and PMAY.
- Responsible for Smooth functioning of the lending process at various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service.
- Responsible for ensuring the proper completion of the files within timeline as per the company checklist.
- Responsible for ensuring the proper closure of disbursement documentation within the timeline.
- Responsible for guiding the customer with clarity towards applying for Home Loan and explaining the product features in terms of ROI, Processing Fees, Terms and conditions etc.
- Responsible for communicating the reasons for rejection to the customer whose file has been rejected.
- Adherence to the organizations policies and procedures and compliance with legal and regulatory requirements
- Responsible for training, development and activisation of channels and release of channel payments on time.
- Responsible for maintaining the existing relationship with builders for APF & bulk sales.
- Responsible for sourcing of builder project files and getting their project approval done by the organization.
- Ensure excellent customer service which includes query resolution of the customer, completion of the task within the given TAT, after sales service, handling of complaints and customer retention.
- Ensuring the ownership of early delinquencies and working closely with the Collection and Credit team.
Ensuring active participation with Operations team for resolving PDD (Post disbursal document) Issues
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