Walk-in || Sales Officer

Job Description


Job TitleIndividual Relationship Officer MortgageFunction / DepartmentRuralDepartment HeadBusiness HeadReporting ManagerUnit Manager
Purpose of the Job:


Contribute to the growth of mortgage business by sourcing new customers majorly by own sourcing, complemented by the quality of sourcing reflected in delinquency and run-offs. Part of the role also demands him to contribute to the revenue by doing LI.





Describe the KPIs against each perspective

PerspectiveKey Performance IndicatorsBusiness and Financial Management- Delivery in Volume
- Percentage payout to channel as required
- Insurance Achievement
- DelinquencyCustomer Focus- Possession of database of salaried and self employed customers.
- Portfolio Management
- Attending customer queries & resolution in TAT.
- No.of cases where PDD is incomplete.People / Team- Actively co-ordinate with the Risk and Legal team to ensure closure in documentation.
- Co-ordinate with the Unit Manager / CBM to ensure closure on disbursal.
- Ensure all exceptions raised are cleared within the TAT.Process / Quality Improvement- Adherance to process and Quality manifested in a Login to Conversion ratio of 60%
- No.of rejects due to non-adherence in providing documents while logging in.
SCOPE & DISCRETION (Span of control)

Total no. of employees supervised with details

GradeO1 to 04M1 to M3SM1 to SM3Nos.NANANA
Total :

Sr. No.Direct Reportees
(functional title/role title)Indicate brief job purpose1NA 2NA
Self deliverables
The most important tasks performed on an individual basis without involving subordinates are

Sr. NoTask performed1Awareness of the local land legal constituents2Possess database of all the schools, colleges, industries and potential bases for salaried business.3Create Awareness in the market through direct or indirect marketing activities4Tracks competition in terms of rates, proposals and policy.5Gathering and building on references.6Is constantly monitoring the quality of the portfolio and performance.7Provide solutions to issues faced and thoughts which can lead to more business generation8Has a productive pipeline.9Builds and maintains a steady relationship with customers.10Ensure Login to conversion ratio is maintained at 60%11Ensuring 100% of the proposals are given LI12Have a concrete understanding of the Mortgage policy in terms of documents required, process to be followed.13Ensure all the cases are legally cleared before disbursing the case.14Ensure delinquency is within the norms and provide adequate support to the collection team as and when the need arises.15Ensure delivery is spaced out through the month rather than accumulation towards month end.16Ensure all the documents are given at the time of login to help risk in taking a decision on the case17Pre-screening of documents before login.18Presenting cases for rate waivers and following on approvals19Ensure rejection percentage is below the threshold set.20Where required provide for re-look of rejected cases21Liaises with the risk team to do PD in every case 22Meets atleast 3 new customers everyday.
Degree Influenced

Geography : With the Location

Departments:

Challenge
Challenge on working relationships, both internal & external contacts

Sr. NoMost frequent contactsNature or purpose1Businesses/Business marketing 2Risk Team 3Legal Team
Peer
Sr.NoPeer
(functional title/role title)Indicate brief job purpose1IRO 2GCO 3TO
Other factors relevant to the job

Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required)

Sr. NoOther relevant factors (Required Skills)1Achievement Orientation2Commitment3Conscientiousness4Legal Understanding5Product understanding6Ability to present a case basis the policy
Expertise required/ Domain Knowledge:

a) Understanding of Mortgage business
b) Knowledge of local market conditions
c) Competitor knowledge
d) Fundamental legal documentation understanding.

No. of years of relevant experience: 1yr to 5yrs


Any specific specialization/education: Graduate