Deputy Relationship Manager-Micro Mortgages

• POSITION DESCRIPTION JOB TITLE : Deputy Relationship Manager-Micro Mortgages GRADE : DM-II DEPARTMENT : Micro Mortgages LOCATION : BRANCH SUB-DEPARTMENT : TYPE OF POSITION : Full-time REPORTS TO : Cluster Manager- Micro Mortgages REPORTING INTO
• ROLE PURPOSE & OBJECTIVE
• Lead Generation – Conduct regular marketing and sales activities to generate leads from the identified markets
• Dealing with the Customers- Engage with the customers at the front end to ensure smooth conversions from lead stage to disbursement and also repayment, recovery and retention.
• SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE
• Shall be expected to manage a portfolio of Rs.5 Cr. Progressively
• Managing a single product across the branch catchment area
• Managing a customer base of 100 customers progressively
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials
• Candidate should be able to deliver targeted business figures from the location of the branch. He/She is also responsible for building a quality portfolio without compromising on quality levels.
• Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion
• Maintain database of the prospects, meet select prospects and manage the relationship thereafter
• Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans
• Should be ready to travel extensively across the catchment area of the location to build the base of business Customer (Both Internal & External)
• Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective
• Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization Internal Process
• Carry out the pre and post-loan activities related to MLAP Loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality
• Visit the customer’s business and home to do the assessment/evaluation, following the “Product Policy” procedures.
• Coordinate with the credit department in case of identifying discrepancies or problems in customer’s information, reports, etc. through Cluster Manager – MLAP Innovation & Learning
• Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch
• Inform Cluster Manager – MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis
• Ensure adherence to training man-days/ mandatory training programs for self
• Should be updated with the latest trends in civic and local laws of the location of operation.
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational

Qualifications

• Graduate in Commerce or relevant subjects Experience(Years and Core Experience Type)
• 2 years in sales and documentation of loans of which at least 1 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
• Knowledge of Secured loans/ Mortgage Loans
• Sales and marketing skills – Retail financial products
• Communication Skills - fluent in the local language & can read-write basic English
• Equipped enough to read and understand the legal papers Behavioral Skills
• Sound Product knowledge
• Willingness to travel across the branches and catchment to expand the business
• Managing customer relations
• Performance oriented Competencies
• Good Computer Knowledge
• KEY INTERACTIONS INTERNAL EXTERNAL
• Branch Managers
• Regional Operations, Credit
• IL Loan Officers, CROs
• Area Technical Manager
• Legal Vendors
• External marketing agencies
• Competitor Counterparts PREPARED BY : PRESHAANTH R DATE : 18-09-2021 REVIEWED BY : PRADEEP B DATE : 18-09-2021 LAST UPDATED BY : TM Team DATE : 11-02-2026