Relationship Officer- Micro Mortgages

1. Lead Generation Conduct regular marketing and sales activities to generate leads from the identified markets

2. 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

• 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

III. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

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.

1. Business/ Financials

2. Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion

3. Maintain database of the prospects, meet select prospects and manage the relationship thereafter

4. Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans

5. Should be ready to travel extensively across the catchment area of the location to build the base of business

6. Customer (Both Internal & External)

7. 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

8. 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

9. Internal Process

10. 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

11. Visit the customers business and home to do the assessment/evaluation, following the Product Policy procedures.

12. Coordinate with the credit department in case of identifying discrepancies or problems in customers information, reports, etc. through Cluster Manager MLAP

13. Innovation & Learning

14. Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch

15. Inform Cluster Manager MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis

16. Ensure adherence to training man-days/ mandatory training programs for self

17. Should be updated with the latest trends in civic and local laws of the location of operation

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