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Relationship Manager

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Salary

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Relationship Manager-Housing Loans (Lucknow, Uttar Pradesh)

Multiple locations


Department
NORTH BUSINESS
Job posted on
Jan 09, 2026
Employment type
Permanent

  • POSITION DESCRIPTION

JOB TITLE

Relationship Manager-Housing Loans

GRADE

M

DEPARTMENT

Housing Loans

LOCATION

BRANCH

SUB-DEPARTMENT

TYPE OF POSITION

Full-time

REPORTS TO

Cluster Manager-Housing Loans

REPORTING INTO

NA


  • ROLE PURPOSE & OBJECTIVE

  • 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


  • 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: Shiv Kumar

DATE: 22-01-2024

REVIEWED BY: Pradeep B

DATE: 22-01-2024

LAST UPDATED BY: TM Team

DATE: 22-01-2024

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