Branch Sales Manager-Micro Mortgages

1. POSITION DESCRIPTION

JOB TITLE

Branch Sales Manager-Micro Mortgages

GRADE

M

DEPARTMENT

Micro Mortgages

LOCATION

BRANCH

SUB-DEPARTMENT

TYPE OF POSITION

Full-time

REPORTS TO

Area Manager-Micro Mortgages

REPORTING INTO

1. Relationship Officer-Micro Mortgages2. Portfolio Officer-Micro Mortgages

1. ROLE PURPOSE & OBJECTIVE

• Interact with the customers, look out for the requirements of the customers who wish to take a micro mortgage loan, creating the demand for the same and fulfilling the demand.

• Managing End to End sales life cycle of tapping prospects through marketing activities, understanding their requirement and rendering advice

• Negotiating with customers, timely disbursement of loan and providing other Bank Products.

• Implementing tactics to enhance market penetration through Bank branches, Connectors, customer referrals and marketing activities.

• To set up distribution through builder Empanelment (APF), Marketing activities, relationship management with stakeholders as required

1. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Cost of hiring and placing new Relationship Officers and Portfolio 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.10 Cr. Progressively

• Managing a housing vertical's product across the location of operations

• Managing assets like marketing collaterals, Stationary, Dockets and Systems

• Managing a team size of 2-3 ROs/POs reporting into the role.

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

• Aligning with bank Branches & other Ujjivan teams (Micro-Banking & others) for increasing Traffic for MM

• Increase distribution by interacting closely with MB team and other internal sources

• Targets on number & value of files for Log-in, approval, disbursement of HL

• Collection of Bounced cases for no zero-default track of all customers sourced 

• FTR on all files

Customer (Both Internal & External)

• Attend and address customer queries and grievances within the defined TAT.

• Managing internal and external customer relationship to ensure customer satisfaction.

• Ensure customers are educated about all products/services offered by Ujjivan.

• Ensure lower customer attrition by providing different products as per customer requirement.

• Focus on lower TAT as per laid down standards.

Internal Process

• Manage and nurture the team reporting into this role

• FTR on all work/processes/ files

• Well spread file flow of log-in and disbursal over a month

• Documentation and preparation of process manuals.

Innovation & Learning

• Work towards grooming self for next level of Area Manager with help of supervisor.

• Completion of goal setting and appraisal on time

1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate with 3-8 years' experience in mortgages industry.

Experience (Years and Core Experience Type)

• 3-8 years in sales and documentation of loans of which at least 2 years in Housing Loans, home loans or loans 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 Housing business at Cluster level.

• Ability to engage with customers, Plan & execute Marketing and Sales promotion

• 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

1. 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: 31-01-2025

REVIEWED BY: Rishu Kumar

DATE: 31-01-2025

LAST UPDATED BY: TM Team

DATE: 17-03-2025