Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering advice
Negotiating commercials, timely disbursement of loan and providing other Bank Products.
Implementing tactics to enhance market penetration through Bank branches, Connectors, customer referrals and marketing activities.
To set up distribution through builder Empanelment (APF),
Applicable to all loan officers with 12 Months of service
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.5 Cr. Progressively
Managing a single product across the branches of operations
Managing assets like marketing collaterals, Stationary, Dockets and Systems
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
Aligning with bank Branches & Microbanking team for increasing Traffic for HL
To set up distribution via connector enrollment and engagement through builder Empanelment (APF).
Targets on number & value of files for Log-in, approval, disbursement of HL
65% of target of HL 15% from FD, 15% of S/A and 10% of standalone Insurance
Collection of Bounced cases for no zero default track of all customers sourced.
FTR on all files
Customer (Both Internal & External)
Attend and address customer queries and grievances within the defined TAT.
Managing internal and external customer relationship to ensure customer satisfaction.
Ensure customers are educated about all products/services offered by Ujjivan.
Ensure lower customer attrition by providing different products as per customer requirement.
Focus on lower TAT as per laid down standards.
Internal Process
FTR on all work/processes/ files
Well spread file flow of log-in and disbursal over a month.
Documentation and preparation of process manuals
Innovation & Learning
Work towards grooming self for next level of cluster manager with help of Cluster Manager & Area Manager.
Completion of goal setting and appraisal on time
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
Educational
Qualifications
Graduate with 1 -2 Year experience in Ujjivan in Housing Loans
Post Graduate with 6-12 months experience in Housing loans
Experience(Years and Core Experience Type)
2 - 7 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 Housing business at Cluster level.
Ability to engage with customers, Plan & execute Marketing and Sales promotion
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