Cluster Manager-Housing Loans
Ujjivan Small Finance Bank · Not specified · onsite · Posted 49d ago
Undisclosed3–5 yrsfulltimeSourced from
About a minute. You'll make an account on the way through.
About this role
ROLEPURPOSE OBJECTIVE
- HousingLoan is a growing business for Ujjivan. The ClusterManager-Housing Loan is an important position that will drivethis business in the respective cluster. The position isresponsible for overall growth and success of the business in thecluster.
- Builtefficient team of Loan officers in the clusters assigned
- Overseesthe performance of the HL portfolio of his/her cluster and branchin terms of growth (amount and client base) and productivity ofloan officers by guiding them and carrying out constructivereviews of their performance
- Overallresponsible for the control and recovery of loans in his/herregion, risk assessment and recovery strategies.
- Incoordination with the branch, credit product teams,identifies suitable branches and locations for Housing businessloan and gets the locations activated through Area Managers.Ensures proper goal setting, resource planning, marketing andsourcing of HL business. Identifying legal and technicalevaluators in the locations during expansion.
- Workclosely with product and marketing team to drive suitablebranding and marketing activities in his/her respective cluster.
- SIZEOF THE ROLE
FINANCIALSIZE
NON-FINANCIALSIZE
- Costof hiring and placing new Relationship Officers at Branches
- OperationalCost of managing the Conveyance and Claims of RelationshipOfficers
- Costof procurement marketing collaterals, sales aids
- Shallbe expected to manage a portfolio of Rs.15 Cr. Progressively
- Managinga single product across the branches of operations
- Managinga team size of 5 employees progressively
- Managingassets like marketing collaterals, Stationary, Dockets andSystems
- Managinghiring and placement of Relationship Officers in requiredBranches
- KEYDUTIES RESPONSIBILITIES OF THE ROLE
Business/Financials
- Daily/Weekly /Monthly monitoring of the accomplishment of targetsaccording to the annual/monthly targets established for the areaand branches under his/her responsibility to provide guidance andsolutions to his/her team as required
- Assigntargets and results on daily, weekly, monthly basis of portfolioof risk by different categories such as days in arrears, numberof installment due, amount within his/her region by area, branch,loan officer with the objective to identify tendencies and risks.
- SupportsLoan Officers- in his/her area in their duties of client visits,risk assessment and recovery strategies
- Efficientstaffing by timely recruitment training
- Implement,supervise and control effectiveness of commercial strategy withhis/her team to reach the productivity and growth targetsestablished.
- Approvedeviations and exceptions according to policy in place.
- Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools
Customer(Both Internal External)
- Ensurecustomers are educated about all products/services offered byUjjivan.
- Ensurelower customer attrition by providing different products as percustomer requirement.
- Focuson lower TAT as per laid down standards.
InternalProcess
- Ensurecompliance with lending guidelines, quality framework and auditrequirements; ensure speedy resolution of any audit observationsand take necessary steps to prevent recurrence audit and otherregulations.
- Monitorhealth of portfolio
- Sanctioningof loans according to the policy in place.
- Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools
- Discussstrategies and changes in terms of products, capacity building,procedures etc.
InnovationLearning
- Ensurethat all members of his team are up to date on all relevantcirculars and all products/services offered in the Branch
- Evaluatethe staff competences in terms of promotion, business assessmentand credit risk assessment capacity and propose solutions forimprovement
- Ensureadherence to training man-days/ mandatory training programs forself and reportees
- Ensuregoal-setting, mid-year review and annual appraisal process withinspecified timelines for self and reportees
- Monitorperformance of staff against defined goals/metrics and takecorrective action wherever required; undertake disciplinary andattendance monitoring of Housing Loans team.
- MINIMUMREQUIREMENTS OF KNOWLEDGE SKILLS
Educational
Qualifications
- Graduatein Commerce or relevant subjects
- AnMBA or equivalent is an added advantage
Experience (Yearsand Core Experience Type)
- 4-9 years in sales and documentation of loans of which at least 2years in Housing Loans, home loans or loan against property in anNBFC/ Bank/HFC. Mixed experience of Sales Credit isacceptable, but should be predominantly in sales
Certifications
- Relevantcertifications shall be an added advantage
FunctionalSkills
- Abilityto create teams and drive sales performance. Will be required totake complete ownership of Housing business at Cluster level.
- Abilityto engage with customers, Plan execute Marketing and Salespromotion
- Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English (Read-speak-write) is required. Has goodverbal fluency and uses simple, clear and purposeful language.
- AdequateComputer knowledge
BehavioralSkills
- SoundProduct knowledge
- Shouldpossess Training Skills
- Willingnessto travel relocation as per business requirements andcareer opportunities
- Managingcustomer relations
- Performanceoriented
Competencies
- GoodComputer Knowledge
- Competentto handle MIS systems and Lending Software
- KEYINTERACTIONS
INTERNAL
EXTERNAL
- Productand Marketing Team
- RegionalOperations, Credit
- Audit,Vigilance and FCU team
- AreaTechnical Manager
- LegalVendors
- Externalmarketing agencies
- CompetitorCounterparts
Location - Bengaluru,Magadi,Yelahanka,Hosur,Dharwad,Tumakuru,Tumkur,Vellore,Tiruvannamalai,Coimbatore,Puducherry,Dindigul,Mysuru,Tiruchirapalli,Mannargudi,Kanchipuram,Tirunelveli,Chennai,Kottayam,Nagar,Medchal,Malkajgiri,Rangareddy,Hyderabad,Madhwapur,Salem,Vijayawada,Visakhapatnam,Rajahmundry,Thrissur,Kalburagi,Hassan,Tiruppur,Chamarajanagar,Maddur,Jamkhandi,Gokak
Sourced from naukri
Skills
Recoveryloan officersales performanceLoansRisk AssessmentAppraisalHome Loanscredit riskoperationsProcurementSalesLegalmarketingLoan against propertyRecruitment
About Ujjivan Small Finance Bank
Ujjivan Small Finance Bank
Banking
24.4k+
employees
2017
9 years old
Bangalore/Bengaluru, Karnataka
India
About
Empowers financial inclusion across India, serving over 90 lakh customers with over ₹6,400 crore profit and a strong focus on inclusive, tech-led banking.
Industries
BankingFinancial Services
Employee ratings
7,630 reviews
4.0/ 5
Culture
4.0
Career growth
3.5
Work-life
3.9
Employees rate it well for
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