Cluster Manager-DSA-Bangalore & Hyderabad

I.POSITIONDESCRIPTION

JOBTITLE

ClusterManager-DSA

GRADE

 CM

DEPARTMENT

Housing

LOCATION

Across Locations list provided

SUB-DEPARTMENT

Housing - Business

TYPEOFPOSITION

Full-time

REPORTSTO

Regional Sales Manager – Housing/Regional Business Manager - Housing

REPORTINGINTO

NA

II.ROLEPURPOSE&OBJECTIVE

·Housing Loan is a growingbusiness for Ujjivan. The Cluster Manager- DSA -Housing Loan is an important position that will drive this business in the respective cluster. The position is responsible for overall growth and success of the business in the cluster.

·Owns the growth of the Housing Loan portfolio in the assigned cluster in terms of business volume and client acquisition.

·Responsible for portfolio quality, risk assessment and supporting recovery initiatives for the assigned portfolio.

·Coordinate with Branch, Credit, Product, Legal and Technical teams to support business expansion, DSA sourcing, market activation and onboarding of required legal and technical evaluators.

·Work closely with product and marketing team to drive suitable branding and marketing activities in his/her respective cluster.

III.SIZEOFTHE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

·Costofprocurementmarketing collaterals, sales aids

·Shallbeexpectedtomanageaportfolio of Rs.15 Cr. Progressively

·Managingasingleproductacrossthe branches of operations

·Managing assets like marketing collaterals,Stationary,Docketsand Systems

·DSA Partner management (end-end)

IV.KEYDUTIES&RESPONSIBILITIESOFTHEROLE

Business/Financials

·Monitor daily, weekly and monthly achievement of assigned business targets and take timely corrective actions wherever required.

·Engaging&empanelingwithvariousDSA’sinthatparticularlocationforincreasingTrafficfor HL.

·Expand business by identifying, empanelling and activating DSAs across the assigned geography.

·Monitor portfolio quality across delinquency buckets and identify emerging risks for timely action.

·Empanelment&handlingofDSA’swithfocusonFilelogin.

·Implement and execute the commercial strategy to achieve assigned productivity and business growth targets.

·Ensure adherence to approved credit processes, policies and systems.

Customer(BothInternal&External)

·Ensurecustomersareeducatedaboutallproducts/servicesofferedbyUjjivan.

·Ensurelowercustomerattritionbyprovidingdifferentproductsaspercustomerrequirement.

·FocusonlowerTATasperlaiddownstandards.

InternalProcess

·Ensurecompliancewithlendingguidelines,qualityframeworkandauditrequirements;ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.

·Monitorhealthof portfolio

·Sanctioningofloansaccordingtothepolicyinplace.

·Ensure adherence to approved credit processes, policies and systems.

·Provide feedback on products, processes and procedures to improve business effectiveness.

Innovation&Learning

·Ensureadherencetotrainingman-days/mandatorytrainingprogramsforself

·Ensuregoal-setting,mid-yearreviewandannualappraisalprocesswithinspecifiedtimelines for self

·Monitor performance against defined goals/metrics and take corrective action wherever required; continuously improve individual performance and portfolio quality.

V.MINIMUMREQUIREMENTSOFKNOWLEDGE&SKILLS

Educational Qualifications

·GraduateinCommerceorrelevantsubjects

·AnMBAorequivalent isanadded advantage

Experience(Years and Core ExperienceType)

·5 years in sales and documentation of loans of which at least 2 yearsinHousingLoanshandlingDSA’s,homeloansorloanagainst property in an NBFC/ Bank/HFC. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales

Certifications

·Relevantcertificationsshallbeanaddedadvantage

FunctionalSkills

·Ability to independently drive sales performance and take complete ownership of Housing business in the assigned cluster.

·Ability to build strong relationships with DSAs and customers and independently plan and execute marketing and sales initiatives.

·Abilitytospeakandreadregionallanguage(s)-isdesirable.Ability to communicate in English (Read-speak-write) is required.Has good verbal fluency and uses simple, clear and purposeful language.

·AdequateComputerknowledge

BehavioralSkills

·SoundProduct knowledge

·Strong stakeholder management, relationship building and coordination skills.

·Willingnesstotravel&relocationasperbusinessrequirements and career opportunities

·Managingcustomerrelations

·Performanceoriented

Competencies

·GoodComputerKnowledge

·CompetenttohandleMISsystemsandLendingSoftware

VI.KEY INTERACTIONS

INTERNAL

EXTERNAL

·ProductandMarketingTeam

·RegionalOperations,Credit

·Audit,VigilanceandFCU team

·AreaTechnicalManager

·LegalVendors

·Externalmarketingagencies

·CompetitorCounterparts

PREPAREDBY:Atish Yadav

DATE:05-01-2026

REVIEWEDBY:Abhishek Banerjee

DATE:06-01-2026

LASTUPDATEDBY:

DATE:

Educational Qualifications