Cluster Manager-Micro Mortgages

• POSITION DESCRIPTION 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
• ROLE PURPOSE & OBJECTIVE
• 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