Relationship Officer-Micro Mortgages

Job DescriptionPOSITION DESCRIPTION

JOB TITLE

Relationship Officer- Micro Mortgages

GRADE

DM-II

DEPARTMENT

Micro Mortgages

TYPE OF POSITION

Full-time

REPORTS TO

Cluster Manager- Micro Mortgages

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 customers business and home to do the assessment/evaluation, following the Product Policyprocedures.
• Coordinate with the credit department in case of identifying discrepancies or problems in customers 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